Your phone number, Social Security number and PIN for your ATM card are important numbers, but no numbers are more important to know—and have the potential to save you money—than your three-digit credit scores.
A credit report—the once-secret dossier about your credit life—is the basis of your credit scores, three-digit numbers that try to predict whether you'll pay back borrowed money and pay your bills on time.
Details about credit scores are complicated and confusing. After all, scores weren't invented for consumers but for creditors. For details and more great advice, read the books, "You're Nothing but a Number" by John R. Ulzheimer, president of education for Credit.com, and "Your Credit Score" by Liz Pulliam Weston.
We talked to Ulzheimer and Weston about how to get scores and what they mean. Here's what you need to know about getting your scores:
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