A credit score is meaningless until you know which agency and which scale produced it.

The UK has no shared scale: 999, 1,000 and 710 are all maximums, depending on the agency.

Lenders price in bands, not points, so 712 and 748 usually get the identical rate.

You can see your US credit reports free every week, permanently, at AnnualCreditReport.com.

Read the full guide

pennyandplan.com