

* FICO scores range from 300-850 and higher scores are better. A score below 620 is considered subprime and, if approved, it's usually at a higher interest rate.
* The national average credit score is between 675-678.
* The following factors are NOT considered when calculating your credit score:
* You can request a FREE credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
www.annualcreditreport.com
Signup to receive a copy of 2 FREE reports:
RESOURCES:
Equifax: 1-800-997-2493
(Call and get your credit report mailed in 48 hours)
www.Equifax.com
TransUnion: 1-800-888-4213
(Call and get your credit report mailed in 6-8 business days)
www.TransUnion.com
Experian: 1-888-EXPERIAN
(Call and get your credit report mailed in 8-10 business days)
www.Experian.com
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