For information about the FICO score and how it affects you, click here:
http://en.wikipedia.org/wiki/Credit_score (United_States) 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.
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.