520 is very bad, the scores range from 350-850 and your considered bad credit and financing is extreamly limited for anyone under a 640. Having a 520 means you probably have no open active accounts and various collections. We are only rated on what is open and what we are currently paying on. You recieve no points on accounts you've paid in the past. Also yo have to think of credit in terms of neggative and possitive points. If you have no open credit and you were to remove all your bad credit your scores would dissapere, not go up. THese days, even Qalifying for a home loan FHA requires a 640 almost everywhere.
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