Let me start this article in the usual way. I will tell you about the state of the U.S., nay, of the world economy at the introduction. I will tell again about the millions, nay, billions of people who have lost their jobs. I will remind you how these people are now in such a difficult financial crisis, buried in debt that they seem insurmountable. But you already hear all that before haven’t you. In all probability, you are probably one of these people who are in need of financial help. People

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In the face of a worsening economy, would-be borrowers are having an increasingly difficult time getting approved for home and car loans. Although you can’t control how the banks set their lending criteria, you can control how your credit score shapes up – and the first step towards improving your score, is learning how it’s calculated.

Your credit score, referred to as a FICO score, is an indication of your creditworthiness; it’s a simple three-digit number that will determine the amount you can borrow and the interest you’ll pay.

FICO scores range from 300

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If you are like many Americans, you like checking on your credit score about as much as you like going to the dentist. This is another one of those things that you simply cannot avoid. It is important to have a good grasp on your credit history and your debts. Looking at your credit history will also help you understand your financial position much better. Having this information is important before making a big purchase like a home or vehicle. 

You are

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