Who's keeping score? The credit industry is. Every time you apply for a new credit card, a mortgage, perhaps even an insurance policy or a job, your application is judged in part on your credit score.

A credit score is a three-digit number that lenders use to objectively measure your creditworthiness. Each lender sets different ranges for what it considers "good" and "bad" credit scores. Consumers with lower credit scores often pay higher interest rates on mortgages and credit cards because they're viewed as riskier customers (based on a scale of approximately 900 being a high score).

Members should check their credit reports annually - at a minimum - to ensure that all information on the report is correct. It is also smart to review your credit report for accounts that could be fraudulent. By visiting www.annualcreditreport.com you can check your credit report for free (once per year) from each of the three credit bureaus. You can also contact the three credit bureaus separately - Equifax, Experian and Trans-Union.

Use our partner GreenPath's educational resources to understand more about credit scores and credit reports. Click here for online materials. Or call 877 337-3399 for a free financial assessment or credit counseling.

Equifax Credit Information
Consumer Relations
P.O. Box 10583
Atlanta, GA 30348
800-685-1111
Equifax.com

Experian
Consumer Assistance
P.O. Box 8030
Layton, UT 84041-8030
888-EXPERIAN
www.experian.com

Trans Union Credit Information
P.O. Box 390
Springfield, PA 19064-0390
800-888-4213
Transunion.com