AND FOR THOSE CONSUMERS WHO SAY THEY KNOW SOMETHING ABOUT CREDIT SCORES, THEIR BELIEFS COULD BE FALSE. STEPHEN BROBECK/CONSUMER FEDERATION OF AMERICA: Most consumers do not understand these scores are based solely on the record of past credit use, not on personal characteristics such as income, age or marital status. 600 OR BELOW IS BAD - ABOVE 700 IS GOOD...HIGHER THAN 750 - REALLY GOOD. BUT CRED