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In this era of tight credit, credit scores are king, and lenders have gotten pickier. A score of 720 used to be considered prime. Now, many lenders prefer 750 or higher.
To find out your score, go to CreditKarma.com or MyFICO.com, which is run by credit-scoring firm Fair Isaac. This is different from your credit report, which details your payment patterns but doesn’t provide a specific score.
If your score could use some work, there are a few things you can do:
*First, check your credit report to see if there is any old or inaccurate information that shouldn’t be showing up.
*Then play around with the simulators on the MyFICO or CreditKarma sites to see the effect of, say, paying off one credit card balance completely.
