WebOct 21, 2024 · The pros of having a good credit score rather than fair credit can be worth the effort to build your score. Fair credit is considered 630 to 689. A good score starts at about 690.... WebMar 29, 2024 · A bad credit score ranges between 300 to 600 based on FICO and VantageScore. Good payment history accounts for 35 percent of your credit score calculation and is the most crucial factor in how to fix a low credit score. A bad credit score will likely deny you new credit lines and additional credit cards.
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