Who Has a 365 Credit Score?

While age isn't a direct factor in credit scoring, there is a clear trend of scores increasing over time. According to Experian data from 2023, the average FICO Score breaks down by generation as follows:

• 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 365 Credit Score

A credit score of 365 falls into the "very poor" range, signaling to lenders that you are a high-risk borrower. Consequently, you will likely find it very difficult to get approved for most traditional, unsecured credit cards. Your options will generally be limited to secured credit cards or other products specifically designed to help individuals rebuild their credit.

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Kudos can help you find the right card for your circumstances with its Explore Tool, which uses a personalization quiz to match your financial goals with suitable options from a database of nearly 3,000 cards. The platform also offers a Dream Wallet feature that provides insights into how different cards might affect your credit score, helping you make an informed choice.

Auto Loans and a 365 Credit Score

A 365 credit score places you in the deep subprime lending category, which means getting an auto loan is possible but will come with very high interest rates. Lenders view this score as a significant risk, so you should expect to receive much less favorable loan terms.

According to Q2 2025 data from Experian, here is how average interest rates break down across the different credit score tiers:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars
• Prime (661-780): 6.87% for new cars and 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars

Mortgages at a 365 Credit Score

A 365 credit score is considered extremely poor and generally will not qualify you for a traditional mortgage. Even government-backed options have higher minimums; for example, FHA loans require a score of at least 500 for eligibility. According to mortgage requirements, mainstream lenders are highly unlikely to approve an applicant with a score this low due to the associated risk.

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In the rare case you find a specialty or subprime lender, the impact of your credit score would be significant. You would face severely limited loan options, much higher interest rates, and additional fees. Lenders would also mandate a larger down payment—at least 10%—and subject your entire financial profile to stricter underwriting and manual review before considering an approval.

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. The most common factors include:

• Your history of making payments on time is the most significant factor.
• How much of your available credit you're currently using, known as your credit utilization ratio, plays a major role.
• The age of your credit accounts, including the average age and the age of your oldest account, is also considered.
• Lenders like to see that you can responsibly manage different types of credit, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 365 Credit Score

While a 365 credit score presents challenges, improving it is entirely possible with consistent, positive financial habits. With the right strategy, you can see meaningful changes in as little as three to six months by taking a few key actions.

• Establish automatic bill payments. This ensures you never miss a due date, which is critical for building a positive payment history. Since payment history is the single most important factor in your credit score, this is a foundational step for improvement.
• Apply for a secured credit card. A secured card requires a cash deposit but allows you to build or rebuild your credit history through responsible use. Regular, on-time payments are reported to the credit bureaus, demonstrating your creditworthiness over time.
• Reduce your credit utilization ratio. Aim to keep your balances well below 30% of your total credit limit, as this shows lenders you are not over-reliant on debt. This ratio is the second most important factor in your score, so managing it effectively can provide a significant boost.
• Become an authorized user. You can be added to the credit card of someone with a strong credit history, allowing their positive payment record and low utilization to appear on your report. This can quickly add positive data to your credit file and help improve your score.

Using a tool like the Kudos browser extension can help you manage your cards and maximize rewards as you build your credit.