Higher risk; often results in worse-than-average interest rates.
Your score is calculated based on five specific categories from your credit report: How are FICO Scores Calculated? - myFICO credit score chart
For most people, a "credit score" refers to the , which is the most widely used metric for determining creditworthiness. These scores range from 300 to 850 , with a higher number indicating lower risk to a lender. Credit Score Ranges a "credit score" refers to the