The 20 best money Web sites

These sites have tools you can trust to help you make better money decisions.

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7. How good is my credit?
7. How good is my credit?
Best Site: Credit.com

Banks today want pristine credit, and just a few points can make the difference between a good and a great rate on a loan, says Curtis Arnold of CardRatings.com. For a quick sense of where you stand (for free!), you can't beat Credit.com. Click on the Credit Report Card and answer a few questions. The site will pull your credit report (a "soft" inquiry that doesn't hurt your rating) and give you a grade of A+ through F on each relevant factor, plus tips on how to improve. A Money staffer learned she can't score A+ across the board unless she proves she can handle another loan.

Caveat: You don't get your exact credit score, just a range where you fall. (If you want a hard number, buy it for $15 at Myfico.com.)

Try this too: Creditkarma.com lets you see how changing one factor might affect your score.

NEXT: 8. How can I find a better-paying savings account?
Last updated February 19 2010: 12:01 PM ET
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