Here is a very nice infographic about what the almighty credit score would be if it were to be calculated for all of US:
http://www.loansandcredit.com/calculation-of-the-united-states-credit-score/
So, the credit score is 620 (almost a poor credit score!)
Now come the question: would you trust a person that has this kind of score? long term? would you lend money to this kind of person? Don’t bother to answer :)