Credit Score is generally calculated on a scale of 300 to 850 or 900 wherein 300 to 550 is considered as a bad score. Most people start with a low-to-average score that hovers around a range of 300 to 600. The first credit score is generally based on a person’s credit history of 6 months. If within this period all the payments are made on time, he might receive an average score. However, the scores can change quickly depending on aspects like late payments, partial payments, or exceeding the credit limit of one’s credit card.