Your goal is to get above 620. That's the line for creditors. If you are below 600, banks won't loan you money. In fact, if your mom knew your credit score was that low, she wouldn't let you borrow any money, either. If you can get the score above 700, you get low rates. If you can eek out above 760, you can usually get the lowest rates. Perfect score is 850. Average score is 723.

Under the Fair and Accurate Credit Transactions Act, you can obtain one annual free copy of your credit report. For more information visit www.annualcreditreport.com or call 877-322-8228. But you will still have to pay a fee to get your actual score. Huh? They'll give you your credit history, but the actual number, well, they can charge you $6 for.

Here's the deal. You can get one free credit report (no credit score number) from each of the 3 reporting agencies listed above. But, you can only do this once a year. So, I spaced my requests out every 4 months instead of getting all 3 at once. That way I can note changes. Just an idea.

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Hope this information helped you get your bills in order.
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Stuart http://www.improve-my-credit-report.com http://www.debt-counseling-recovery.com