Usually defined as a credit score under 580.
When you have a score under 580 you’re considered a risky borrower as a result of owing large amounts of money or having a history of unpaid bills and debts. Specially when you have accounts selled to other agencies to get the payments.

“Bad credit” refers to a poor credit history, typically caused by a combination of late
payments, high levels of debt, overuse of credit, and negative records like bankruptcies.
People with bad credit struggle to access new lines of credit and, when they do, they are often offered higher interest rates and unfavorable conditions. This makes managing finances challenging and limits growth opportunities.
Credit repair for bad credit involves identifying issues in the credit report, disputing incorrect information, and working to improve payment history. To rebuild credit, it’s essential to pay bills on time, reduce credit usage, and avoid unnecessary credit inquiries.
Focusing on creating a routine of healthy financial practices can gradually help improve
the score and restore financial credibility.