Know the score
Know the score
Time it takes: 15 minutes or less

The National Foundation for Credit Counseling reports that only four in 10 Americans know their credit score. A good reason to be among them: This number determines what interest rate you'll get on loans and credit cards.

How to check: Pony up $20 to get your score at myfico.com. The FICO scoring model, the one most commonly used by lenders, ranges from 300 to 850. A score of 740 or higher entitles you to the best rates; if yours is lower, see "Juice Your Score" for quick ways to raise it.



From the editors of Real-Simple and Money. Text by Stephanie AuWerter - Last updated November 30 2011: 6:39 PM ET
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