Know the Score
The National Foundation for Credit Counseling reports that only four in 10 Americans know their credit score. A good reason to be among them: This number determines what interest rate you’ll get on loans and credit cards.
How to check: Pony up $20 to get your score at myfico.com. The FICO scoring model, the one most commonly used by lenders, ranges from 300 to 850. A score of 740 or higher entitles you to the best rates; if yours is lower, see Juice Your Score for quick ways to raise it.