How to read this Score ?

You need to immediately work on your financial life and improve your score to respectable level of 60-65 atleast.

BAD
(0-50)

Your financial life seems to be working fine, but you can do much better. You should aim for minimum 80 score now

AVERAGE
(51-75)

Your financial life looks great! . Just chill now, and keep working to improve it to next level now …

GOOD
(76-100)