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If you want to improve your credit score, you need to go right to the source - your credit reports. Yes, all three reports! You must get reports from the major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why...

The number one mistake that we made when applying for credit was giving our Social Security numbers to prospective lenders. Why? Because it hurt our FICO credit score. We were not really dumb, just young and uneducated about credit. Here's what we do now...

The financial meltdown of 2009 changed the credit picture, perhaps forever. Only a year ago, in 2008, a FICO credit score of 650 seemed like a golden ticket to land favorable financing rates to buy a car, purchase a house or secure a low-interest credit card. Not any more.

You might be wondering why you have a lower FICO credit score than you think you should have. Your lower FICO score could simply be caused by a credit bureau clerical error or due to an oversight you have made in handling your credit. At the same time, it could be identity theft affecting your FICO credit rating. How can you find out and fix it?

A long time ago I found out the hard way that my FICO Credit Score could be the seed of financial despair. It's the one credit number that lenders judge us by so I thought I would show you how that number is arrived at. This is not common knowledge so read on...

Credit Counselors and Debt Consolidators are inundating the Internet, newspapers, magazines, radio, and television with ads promising to make it easy to fix your poor credit history and your poor FICO credit rating. This appears to be great news. Let's see if it really is good news.

Today, millions are facing tough finances, the reality of tougher credit based on FICO credit scoring by the major credit rating bureaus. Well, there is hope if you find yourself with a less than perfect FICO credit score and credit rating. There are some smart steps you can use to turn your credit around.

You would think that finding out what your FICO credit score is would be easily found in your credit burea report. But, if you have examined your credit report, your FICO credit score is nowhere to be seen. Is the credit bureau hiding it? Well, in a way they are because they want you to pay them for it. There is an alternative.

The loan officer said: 'Sorry, we cannot grant the loan. Your FICO score is just too low.' FICO? What is a FICO credit rating score? How can I fix it? Repairing your FICO credit report is easier than you imagine, once you know what you need to fix.

When you are up against the wall credit-wise, the save your credit hucksters are ready to pick you clean of your last few bucks by promising to sell you miracles that will fix your FICO credit score or wipe out your debts. Read on to find out what you can do for yourself right now to get back on the path to good credit.