While some of the information on your credit report is self-explanatory, some of the other aspects, especially your credit score, are a bit of a mystery to some consumers. Few people know what their credit score is or understand how their credit score calculated. Some are not sure what or how some factors affect their credit scores or what needs to be done to raise their credit score.

That 3-digit number is critical to your family & financial life. Negative credit scores can have enormous repercussions on your future. From getting a good job, car insurance to a credit card, your credit score can either save you money or hurt your wallet.