New Page 1Many people are interested in finding out about their credit score. These scores are comprised of a 3-digit rating number that lenders use topredict the credit risk level of a potential borrower. This credit score iscompiled from your credit reports which are created by the 3 major creditbureaus.Equifax: www.equifax.comExperian: www.experian.comTransUnion: www.transunion.com.Scores can range anywhere from a low of 300 to a high of 850, with theaverage being 700. Legally, you're supposed to have the right to see your creditreport each year from all 3 bureaus at no cost, however, it seems these daysthat you have  to pay to see your credit score information, which isconsidered proprietary information.Since most Lenders believe there is a direct correlation between your scoreand the chance of you defaulting on your credit responsibilities, it isimportant to maintain a high score. Therefore, high scores will get the bestloan terms while low scores will not.Credit scores are never a fixed number since they change with any newly addedinformation.There are several factors taken into consideration when evaluating creditscores. This includes:• Your loan payment history• Number of credit inquiries• Whether there are any legal judgments against you or bankruptcies• How many credit accounts you have• The length of your credit history• Any bills that involved collection agencies• The amount of credit used in comparison to your total credit limits You should also get to know the reasons behind your particular score. It isjust as important to know as the score itself. If you have this knowledge, itwill allow you to better manage your credit so you can get better loans at lowerinterest rates. If you want to have a reliable idea of your total creditpicture, request a free credit score online at the same time that you request a free debt consolidation quote. Or you can simply go here.