I just received my FICO scores on Tuesday directly from the source, the folks at Fair Isaac & Co. FICO scores range from a low of 300 to a high of 850, and you have a different FICO score from each of the three credit reporting agencies. My scores were 775, 753 and 746. The median score in the apparently is 723 (according to Fair, Isaac's website), so I'm doing slightly better than the average Jane.

After a score of 720, you can pretty much qualify for the best rates. There are great informational booklets, if you want to learn how to increase your credit rating. Don't feel like reading it? It's okay. . . the short version is here.

I can't wait until September first though, when I can FINALLY get a free credit report every year. Up until now, I've been shelling out the dough periodically. Unfortunately the free credit reports don't include your FICO score, so when the time comes, I'll have to buy that separately. The Western and Midwestern states are the only ones currently eligible (unless your state has different laws), click here. If you're already eligible, what are you waiting for? Click here to get started.

This is also posted at Financial Freedom Trek.

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