Three main credit bureaus create your credit report.
From there your credit worthiness gets a scored between 300 to 850.
Three hundred to 629 is considered bad, 630 to 689 is fair or average, 690 to 719 is good and 720 and up is excellent.
What does this even mean and what difference does it make?
To explain it all we brought in financial adviser Rick Barnett from Barnett Financial and Tax.