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anybody ever see a fico score below 400?

Regular Contributor

anybody ever see a fico score below 400?

I've been told by some in the business that they've seen pages of baddies, and yet, a lot of them still remain above 500...so I"m wondering, what would one have to do to go this low, and do you know someone who has? It seems as if you'd have to really try hard and some in b/t to hit rock bottom on every single category

Message 1 of 7
6 REPLIES
Super Contributor

Re: anybody ever see a fico score below 400?

I've seen people in the 400s...Don't think I've ever seen anyone under 400.

Message 2 of 7
New Member

Re: anybody ever see a fico score below 400?

Yes, I sell cars and I saw a handfull in the 300s...one was in the 330s

Message 3 of 7
Established Contributor

Re: anybody ever see a fico score below 400?

I once had scores in the 350s.  That was from when I had a very long illness and defaulted on absolutely everything.  Those were very dark days.  I almost lost a job opportunity because of it (at a credit union!), but luckily my education trumped my credit score.  I'm so glad that those times are far, far behind me.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Message 4 of 7
Established Contributor

Re: anybody ever see a fico score below 400?


lithium78 wrote:

I once had scores in the 350s.  That was from when I had a very long illness and defaulted on absolutely everything.  Those were very dark days.  I almost lost a job opportunity because of it (at a credit union!), but luckily my education trumped my credit score.  I'm so glad that those times are far, far behind me.


Great story Lithium. Thanks for sharing. I know it will be an inspiration to many!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 5 of 7
Moderator Emeritus

Re: anybody ever see a fico score below 400?


lithium78 wrote:

I once had scores in the 350s.  That was from when I had a very long illness and defaulted on absolutely everything.  Those were very dark days.  I almost lost a job opportunity because of it (at a credit union!), but luckily my education trumped my credit score.  I'm so glad that those times are far, far behind me.


Good for you!!!   Hope you're better now.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 7
Regular Contributor

Re: anybody ever see a fico score below 400?

Sorry to hear about your past troubles, but am glad to hear your much better off now! While I'm pretty sure that I never got below 400, I had terrible credit for quite a while as well, so I know how you feel in being relieved to be past that now. 

Message 7 of 7