Who Has a 367 Credit Score?

• 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

Data from 2023 shows a clear upward trend, with average credit scores consistently rising with each successive generation. While age itself is not a direct factor in credit calculations, older consumers have typically had more time to build a longer credit history, manage a mix of credit types, and establish a record of on-time payments—all key components of a higher score.

Credit Cards With a 367 Credit Score

A credit score of 367 is considered very poor, placing you in the lowest range of credit scores. Consequently, you'll likely find it challenging to get approved for most traditional, unsecured credit cards, as lenders view this score as high-risk. Any offers you do receive will probably come with high interest rates, low credit limits, and annual fees.

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Kudos offers AI-powered tools that analyze your financial situation and preferences to provide personalized credit card recommendations from a database of nearly 3,000 cards. This tailored process helps you find suitable options, such as cards for building credit or those with low interest rates, while also offering insights into how a new card might impact your credit score.

Auto Loans and a 367 Credit Score

A 367 credit score places you in the deep subprime category, which can make securing an auto loan challenging. While you may still find lenders willing to approve a loan, you should expect to face significantly higher interest rates and less favorable terms.

According to a 2025 analysis, average auto loan rates vary significantly by credit score bracket for both new and used cars:

• 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 367 Credit Score

A 367 credit score makes qualifying for a traditional mortgage nearly impossible. Most loan programs have much higher minimums; FHA loans, a common choice for buyers with poor credit, require at least a 500 score with a 10% down payment. Conventional loan requirements typically start at a score of 620, placing them out of reach.

If you found a specialty lender, a 367 score would lead to punishing terms. Expect exceptionally high interest rates, a large down payment requirement, and a low cap on your loan amount. Lenders would also conduct rigorous manual underwriting, scrutinizing every detail of your financial history before any potential 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 367 Credit Score

Don't be discouraged by a low credit score; it's entirely possible to improve your financial standing with proven methods. With consistent, positive habits, you can see meaningful changes to your creditworthiness in as little as three to six months.

• Apply for a secured credit card. This type of card requires a cash deposit that acts as your credit limit, making it easier to get approved with damaged credit and allowing you to build a positive payment history.
• Become an authorized user. By being added to the account of someone with a strong credit history, their on-time payments and low credit utilization can be reflected on your credit report and help boost your score.
• Establish automatic bill payments. Payment history is the most significant factor in your score, so setting up automatic payments is a crucial step to ensure you never miss a payment and further damage your credit.
• Reduce your credit utilization ratio. This ratio compares your balances to your credit limits, and paying down your debt to get this figure below 30% is a key action that can improve your score.

For help managing your cards and implementing these strategies, a financial companion like Kudos can guide your decisions.