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Having a credit score of 350 and below is not a good sign. If you happen to come under this range, be prepared to face high interest rates. You will have to seek professional help in order to come out of this level. To solve your problems, you need to be aware of your current financial condition. 300 and below is an alarming credit score range and you need to work hard in order to get back your financial stability. Pay off your credit card bills on time; get rid of cards that you don’t use anymore and keep reviewing your credit limit. These factors can affect your credit score to a great extent so make sure you manage them well.