Too many people obsess over getting a perfect credit score. It is not so important. You should be obsessing over your cash flow and your net worth instead. On the other hand, if you have a solid credit rating you will have opportunities to obtain lower interest debt which can reduce your overall debt payments. There are three credit reporting agencies in the U.S.: Experian, TransUnion, and Equifax. You are entitled to one free credit report from each agency per year. You can also get a free report if you are denied credit for some reason. They will not tell you the single most important number though. There is also one number that can be used to score you as a potential borrower. It is made by Fair Isaac and is called your FICO score. Your interest payments will increase if your score is below 600. You may not get a loan at all with a score of 300. To get an 800 or more may require some of those obsessive traits that I'm not recommending. It is reasonable to shoot for a score of 750 or so. If you end up above 700 you will still do fine in the financialy lending market. Go to myfico.com for more information. The biggest factors in determining your score are your total amount of outstanding debt, your available credit, your on-time payment history.