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474 is that bad credit n what's good credit

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600-850 is fair to good
500's poor to moderate
Under 500 poor to really really bad

you wont get a loan from any legit lender

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Well considering it's near the bottom of the scale (300-850), yeah it ain't good.

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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.

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can i have your number
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wow this is NT a cheat line
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no
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Bad, very bad credit.

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