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You or someone you know got a 12 credit score and you are wondering if 12 is a bad credit score. In other words, is a person's creditworthiness bad if his or her credit score is 12? First, to put the 12 credit score (FICO) in perspective, credit scores range from 300-850. The lower the number, the worse the credit score is. A 12 credit score is a very low credit score and means bad credit. YES, 12 is a bad credit score. Someone with a credit score of 12 will have smaller chances of getting a loan or even a good job compared to people with a higher credit score. How much house can I afford with my salary? Find out how much house you can afford based on your salary.

Bad Credit Score? Check other credit scores to see if they are bad.

NOTE: The above is Research Maniacs' view of credit scores. Financial institutions, employers, and other organizations may have different guidelines and interpretations. Furthermore, other circumstances beyond credit score may also influence someone's creditworthiness.