Average credit scores usually range from the 600's to 850. Usually, lenders consider a 680 credit score or above to be a good credit score. Also, any score above 740 is excellent. However, credit scores below 550 are considered a bad credit score. So, a 450 credit score is a bad credit score. Having bad credit scores can keep you from getting accepted for a loan. However, even if your score is 450, you can still get a loan, but you will probably be charged the highest interest rates and fees.