A credit score rating label that should be added below "bad," so as to replace it as the bottom tier credit rating label, usually only achieved by frequent users and patrons of check cashing stores, pay-day advance/title loan businesses, and JJ's Fish & Chicken.
Financial Advisor: "Well, to be quite honest Mr. Jenkins, after this brief period that makes up your credit history, from a year ago today when your credit cards were first issued against the pleas, cries, and then...screams of many actuaries, quite a stir has been caused in the credit, finance, and banking communities. So much so in fact, that they just held an international conference in Zurich to discuss the controversial topic of adding a new credit score rating label that would replace 'bad' as the bottom credit score rating label. As you could imagine it was very hotly debated subject Mr. Jenkins, as the label range from 'excellent to bad' has been the industry standard for decades. It looked like it could have gone either way, but once firms started cited your frankly...abysmal credit history they had no choice but to come down in favor of adding the new score. So, congratulations, Mr. Jenkins you are the first person to plummet the depths of personal credit worthiness to earn a KANG credit score. You may never be a homeowner Mr. Jenkins, but on the upside here is a coupon for one free side at J.J.'s Fish & Chicken.