• Lots of different ways.
  • You have a poor credit score generally two main ways: Firstly, by having no credit history. So young people have low credit ratings, or people who haven't taken out loans or other forms of credit. Second, by taking out loans etc and then not paying them back, or missing payments or paying late.
  • By not having a high credit score. Before you think that answer is a cop-out, let me elaborate that the only way to get a high credit score is to have a good payment history. The only way to have a good payment history is to borrow a lot of money and to pay that money back on time without paying it off too rapidly.
  • They don't pay bills, they don't pay on time or as scheduled, their account goes into collection, etc.
  • By being poor to begin with.
    • Linda Joy
      Gotta prove to them you don't need the money in order to get the money! haha
  • People get a poor credit score from just living most often. With many cultures allowing credit cards to be so fleecing and needed just to make ends meet, no wonder there are so many riots around the planet anymore. bostjan64 and Murzy got it right.

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