474 is that bad credit n what's good credit
600-850 is fair to good500's poor to moderateUnder 500 poor to really really badyou wont get a loan from any legit lender
Well considering it's near the bottom of the scale (300-850), yeah it ain't good.
The scale is 300 to 850. Considering it is near the bottom of the scale, it is ok. It is more than half of 850.
Bad, very bad credit.