The absolute worse credit score you can have in the current credit scoring system is 300. My personal record low was 430 and that was mostly due to a very high credit utilization that at the time hovered above 95%.There was a time when my credit reports were riddled with collections and charge offs because I just didn't care, as I’m sure that there are thousands of people who feel the way, but I can promise you that there will come a day of reckoning.You will eventually grow tired of being denied a place to live or buying a car without the need for a co-signer. Not to mention the embarrassment that comes along with those denials if someone happens to be with you when you apply.I’ve been in those situations and plenty more, and let me tell you that it was not a good feeling and I wanted to be anywhere other than where I was at the exact moment when I was notified that I was denied yet again.Credit rebuilding is like working out. You must maintain a certain level of commitment and discipline over an extended period of time in order to see a noticeable improvement. Your credit won’t improve by just thinking about it. You must actually put in the work in order to see the full results.