As anyone who has applied for a credit card or any type of loan can tell you, your credit score plays a vital role in our financial life. It not only determines which loans you’ll be able to receive, but also what interest rates you’re going to pay. Put simply, the better your credit score is, the more money you’re going to save throughout the life of your loan. Before you can begin working on upping your credit score, you’ll need to know what you’ve got to work with. Luckily, you can access your credit report once each year for free from this website - https://www.annualcreditreport.com/cra/index.jsp