A credit score in the range of 300 to 500 is considered poor under the FICO credit scoring model. Individuals in this range often face significant challenges when applying for credit cards, personal loans, or mortgages. If approved, the terms are typically unfavorable — such as higher interest rates, lower borrowing limits, or the need for a co-signer or collateral. This range may indicate a history of missed payments, defaulted accounts, or high credit utilization. Because this range reflects a higher risk to lenders, it is not categorized as a “good” credit score. Improving a score from poor to good requires time and consistent effort — like making on-time payments, reducing outstanding debt, and avoiding new credit inquiries unless necessary. Knowing that 300–500 is considered poor helps set clear goals for those looking to rebuild or improve their credit health and eventually access better financial options.