Gary North

For information about the FICO score and how it affects you, click here:

The lowest FICO score is 300. A maximum FICO score is 850.

You can pay to find out your score from each of the three main ratings agencies. It's cheaper to get a simulated score. Three outfits offer these.

http://www.bankrate.com/brm/fico/calc.asp
http://www.credit.com
http://quizzle.com

This will give you some idea of how poorly or well you are doing. Your FICO score is a good place to begin facing reality. It lets you know how creditors evaluate your financial condition.