My credit card application was denied because my credit score is 4. The lowest possible credit score in the US is 300.

Using the Vantage scoring model, a “4” indicates there is no established credit for the individual. It’s not a derogatory score, but a lot of credit companies avoid first time applicants, and the companies that do will often have an inflated APR

*300 to a high of 000*

Uhh

You would figure the lowest would be 0 and go up from there. Why use 300 as a starter?

My friend tried to finance a car a little while ago and both Experian and TransUnion reported his credit score as “NaN”.

Looks like a glitch “300-000”
And, no reasons explaining the adverse decision.
I would guess some kind of error. Call their help or dispute line.

My friend, you need to leave collateral when you go to your coworkers and say “can I borrow you for a minute?”

You can’t even borrow a feeling.

OP hit 999 and rolled the odometer over. Lol

Phone call for you from The Guiness Book Of United States Records.

I’m European, can someone explain what this is? Even the sentences don’t make sense, how is 300 low and 000 high. Wouldn’t following that logic 004 be a good score? Or do you want a low credit score? Also how is it bad when the Key Factors part is empty? that doesn’t look like an altered image

Wow! Sorry but i wouldn’t lend you 10 cents.

Double-o 4, license to bill?

lol my old boss had a credit score of 4. Funny thing was, no one can tell him why, he has never had a CC, A loan, or anything. His parents never did anything in his name and he has never had his identity stolen.

Doesn’t mean BAD credit.
Actually just the opposite, it means NO credit.
aka “you RESPONSIBLY PAY IN FULL for only what you can afford, without using credit.”
The parasitical banking system couldn’t function without sucking off the rest of us.
Thus the creation of “credit scores.”
Making it difficult, if not impossible for us to sail through life without at some point needing a credit score – to buy a home, pay for medical bills, buy insurance, even to GET HIRED in some cases.
For 8+ years I leased, paying owner/landlord directly.
When it was time to move/requalify & new landlord ran a check, I literally had NO CREDIT SCORE.
Nada. Zip.
She was worried I was trying to pull one over on her, about identity theft, etc. Who doesn’t have a credit score?
Had to print out bank statements, share link to social accounts, Linkedin etc.
But made me realize how screwed I’d be if ever in an emergency situation & couldn’t get credit approved.
Had to do the “prepaid debit card” dog & pony thing, just to get my name on the map.
This is what being financially responsible gets you in this updownside world, where villians look like heroes.
You want to exist?
Then you gotta pay THEM the toll.

At least you have absolutely no key factors adversely affecting your credit

The lowest possible score was 300 until they ran your credit, you broke the scoring system