Start with your credit reports. Its free and wise to check at least once or twice a year to see if there is identity theft or incorrect info. Knowing what to look for will help you get a feel for what your score may be. A good score will be based on a solid prior history (the larger the better), no bad reports, and a good debt to earning ratio. After that there are a bunch of other less major factors.
That said, when a consumer buys a score, he is NOT getting the same score the bank or loan company sees. Its a bit of a scam.
Your credit score: not the same score lenders see - Sep. 25, 2012
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Joe
See Porsche run. Run, Porsche, Run:
`87 911 Carrera