You can learn the score on credit scores

"Want to raise your credit score? Try maxing out your credit card, to show you can handle credit, as long as you can squeak by with the minimum payment each month. Or, for a quicker fix, marry somebody with a high credit score, which will automatically raise yours. Then test the success of your strategy by checking your credit score, which you can get for free once a year under a new federal law.

I hope you didn't believe anything I said, because none of it is true. But if you fell for this fake 'strategy' (I was testing you) you have plenty of company. Although Americans' knowledge of credit scores has improved, a second annual survey by the Consumer Federation of America and Providian Financial shows a continued lack of understanding of the scoring system."

Some good advice from Humberto Cruz