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Unless you mean credit scores when applying for loans and such, which means you have a score in the shitter. You usually get "creative" financing at that point.
 

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Yeah, and I've always been like tier 57.

The tier thing is going to be company/industry specific. So there is no one definition.
However, it usually deals with pricing levels on a product. The higher the tier - the bigger the discount the client gets on the product.
 
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