A FICO credit score between 300 and 579 is generally considered to be in the “bad credit” or “poor credit” range. If you have a history of missed payments, bankruptcies, and other negative marks, you might have bad credit. No credit, on the other hand, means you don’t have any information on your credit reports. This may be because you’re young or recently moved to the U.S. and haven’t opened any credit accounts.