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FICO 8 EQ 644 EX 643 TU 699. I have a few medical collections on my acct. I have a credit repair company I am working with and they are trying to get them removed. My utilization is at 1% not 0%. I owe $8 on a card. I have 2 auto loans and 2 installment loans. One of the installment loans will be paid off next month.
AFAIK starting scores are outside the boundary condition.
If someone opens an account and immediately goes 30/60/90/120/150/180/180/180... assuming the account doesn't get closed I am pretty sure that isn't a 300 score, and we know 6 months positive history on a single tradeline isn't either.
Single collection on a report, likewise not 300.
I don't really know how to even get a minimum score but I don't think we can say we start there. A no file is a no file, unscoreable which is it's own penalty in this day and age.
