Credit Score check this br br So, you just found out that you have a 650 credit score. Now what? What does a credit score of 650 mean, and what do you need to know now? When it comes to credit scores, it can feel that the numbers and their meanings are a foreign language, or an encrypted code. It can be difficult to decipher what a score means, how it affects your life and ability to purchase, and how to go about raising the score.