 TITLE: What Is a Bad Credit Score? CONTENT: What Is a Bad or Poor Vantage Score?\n------------------------------------\nVantageScore is another credit scoring model that also uses data from consumers' credit history to help predict their likelihood of repaying a loan. Like FICO scores, VantageScores also generally use the range of 300 to 850. With the newer VantageScore models, a score of 601 to 660 is considered to be fair, while a score of 500 to 600 is poor. Scores between 300 and 499 are very poor.\nCredit Score\nRating\n% of People\nImpact\n300-499\nVery Poor\n5%\nApplicants will not likely be approved for credit.\n500-600\nPoor\n21%\nApplicants may be approved for some credit, though rates may be unfavorable and with conditions such as larger down payment amounts.\n601-660\nFair\n13%\nApplicants may be approved for credit but likely not at competitive rates.\n661-780\nGood\n38%\nApplicants likely to be approved for credit at competitive rates.\n781-850\nExcellent\n23%\nApplicants most likely to receive the best rates and most favorable terms on credit accounts. END