364 Credit score: What You Need to Know in 2026
364 Credit score: What You Need to Know in 2026
Your 364 credit score is considered poor, but you can definitely improve it.
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TL;DR
A 364 credit score presents a significant opportunity for improvement on your financial journey. This score falls into the Poor FICO score range, establishing a clear baseline from which you can begin building a stronger credit profile.
What Does a 364 Credit Score Mean?
A credit score of 364 is considered "poor" on the FICO scale, which ranges from 300 to 850. This score indicates to lenders that you are a very high-risk borrower, making it difficult to get approved for new credit. You'll likely face challenges securing loans or credit cards, and any offers you do receive may come with extremely high interest rates and unfavorable terms.
While this score presents immediate difficulties, it's not a permanent reflection of your financial future. A credit score is a snapshot in time, and understanding your current standing is the crucial first step. With this knowledge, it's possible to begin the journey toward rebuilding your credit and improving your financial outlook over time.
Who Has a 364 Credit Score?
Here's a look at the average credit scores by generation based on 2023 data from Experian:
- Generation Z (ages 18-26): 680
- Millennials (ages 27-42): 690
- Generation X (ages 43-58): 709
- Baby Boomers (ages 59-77): 745
- Silent Generation (ages 78+): 760
Credit Cards With a 364 Credit Score
A credit score of 364 is considered very poor, placing you in the highest-risk category for lenders. Consequently, obtaining a traditional unsecured credit card will be extremely challenging, as most issuers will likely deny your application. Your options will primarily be limited to secured credit cards that require a cash deposit or specific cards designed for rebuilding credit, which often come with high fees and interest rates.
Kudos can help you find the right card by using its Explore Tool to match your preferences—like low interest rates—with options from its database of nearly 3,000 cards. Additionally, its Dream Wallet feature analyzes your spending and provides insights on how applying for a new card could impact your credit score, helping you make a more informed decision.
Auto Loans and a 364 Credit Score
A 364 credit score places you in the deep subprime category, which can make securing an auto loan challenging. While approval is possible, you should anticipate facing some of the highest interest rates offered by lenders, with a 2025 analysis showing rates over 15% for new cars in this bracket.
| Category | New Cars | Used Cars |
|---|---|---|
| Super-prime (781-850) | 5.25% | 7.13% |
| Prime (661-780) | 6.87% | 9.36% |
| Non-prime (601-660) | 9.83% | 13.92% |
| Subprime (501-600) | 13.18% | 18.86% |
| Deep subprime (300-500) | 15.77% | 21.55% |
Mortgages at a 364 Credit Score
With a 364 credit score, qualifying for a traditional mortgage is extremely unlikely. Even government-backed FHA loans, the most accessible option for low-credit borrowers, require a minimum score of 500 with a 10% down payment. According to mortgage requirements for 2025, very few borrowers with scores under 600 get approved for a home loan. Your only potential path might be a specialized subprime lender, but approval would likely require a substantial down payment and other significant compensating factors.
If you did manage to secure a loan, the terms would be costly. Lenders view a low score as high risk, resulting in much higher interest rates and fees. This could add tens of thousands of dollars to the total cost of your loan. You would also face a larger down payment requirement, and the lender would likely cap the amount you could borrow, severely limiting your options for purchasing a home.
What's in a Credit Score?
Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key elements.
Key factors include:
- Payment history: The most significant factor, tracking whether you pay your bills on time.
- Credit utilization: The amount of credit you're using versus total available credit.
- Credit history length: Demonstrates your experience with managing credit over time.
- Credit mix: A healthy mix of different types of credit can positively impact your score.
- Recent credit inquiries: Occur when you apply for new credit and are also considered.
How to Improve Your 364 Credit Score
While a 364 credit score is considered very poor, it is possible to improve it with consistent effort and the right strategies. Common strategies include:
- Monitor your credit reports: Check for errors or signs of identity theft that could be dragging down your score. Disputing inaccuracies is one of the fastest ways to see a potential score increase.
- Set up automatic bill payments: Ensuring your bills are paid on time is critical for rebuilding. Automating payments prevents missed due dates.
- Lower your credit utilization: Focus on paying down balances to get below the recommended 30% threshold.
- Become an authorized user: Ask a friend or family member with a good credit history to add you as an authorized user on their account. This helps boost your score with positive payment history and low credit utilization.
For personalized help managing your cards and maximizing rewards as you rebuild, let Kudos guide you.