<prompt> Human: I need some advice. I recently found out when opening a Sears credit card that my credit score is 300. Im 23 and graduated from University less than a year ago. I have a credit card with a 1,500 limit, which I did at one point rely on in the past year while looking for work. The most I ever had as a balance was 1,200, and I thought I was always paying the monthly minimum balance, but Im sure I probably missed a few. In the past four months I secured permanent employment with the government making 52,000 a year and have been bringing my credit card balance down slowly, its now at about 800. Im also building up a savings account and paying off my student loans every month which is only 3,000, so not that big of an amount. Also, just three weeks ago I got an iPhone and the credit check apparently came back fine.Im just really confused about how my score can be at 300. Ive been talking with my bank today. The banker said to wait before getting a credit report, as this could further impact my score. They looked into my credit card and said that they couldnt imagine how my score is at 300 because theyve actually preapproved me to increase my credit card to 2,000.Im sort of freaking out about what to do. The bank cant offer much info and Im paranoid about getting a report done and affecting my credit more. In your opinion, can someone in my financial situation have a score that low? Is it worth my while getting a report to see whats happened?UPDATE: Got a credit report done, as you guys recommended, and it turns out that my credit score is fine around average. There must have been a glitch in the system at the store, and Im in contact with them to let them know. Phew!  <response>: 300 is the absolute lowest FICO score possible and would give you terrible problems when trying to acquire credit. I think they misspoke or misread or there was a glitch in the system or something.The banker was wrong about checking your score or pulling your report -- it doesnt hurt your score at all if you are doing it.Use creditkarma.com andor creditsesame.com to get a rough idea of your score. Myfico.com can give you your actual score, but make sure to cancel before they automatically charge you 15. annualcreditreport.com is the one and only place to get your full credit report -- once per year for each of the 3 agencies. 