What about my credit score?

Your credit score is the numerical number associated with your credit worthiness. There are two companies that generally determine your credit score. Fair Isaac & Co. sometimes abbreviated as FICO and Vantage Score (which is a creation of the Big Three). There are no laws governing credit scores, (but many that govern credit reports). Therefore, to get a copy of your credit score, you may have to pay a small fee. Credit reports can range from range from the low 300s to the mid-800s.

· Above 720 is excellent;

· Between 719 and 680 is good;

· Between 679 and 620 is average;

· Between 619 and 580 is poor; and

· Below 580 is generally considered bad.