You may not have checked your credit score lately, but there’s a good chance someone else has.  If you have applied for a mortgage or a loan — or even received a credit card offer in the mail — someone accessed that three-digit number to help determine the amount you can borrow and the interest you’ll owe on it.
So what goes into this all-important score? And how can you make sure you’ve got a good one?
The term credit score usually refers to your FICO score, a number based on a …

We are under constant media barrage about checking our credit report and we all know it’s important to have a high credit score. With the new legislation, it’s possible that a great credit score will be more important than ever. But does the average Joe really understand what goes into the calculating of a credit score? I know I didn’t until I started researching it.
I was surprised to find out that your debt to limit ratio has a 30% impact on your credit score. Only your credit history has a …