Knowing Your Credit Scores Is The First Step to Being President of Your Finances

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70% of Consumers Don't Know That There Are 3 Different Credit Scores, According to a February 2010 Survey

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A February 2010 Survey Sampling International poll of 1,000 consumers 18 and over revealed that 70% of people are unaware that there are three different credit bureaus, each of which generates a different credit score for consumers. "Knowing all of your credit scores is the first step to gaining control of your finances," says Carrie Coghill Kuntz, Director of Consumer Education for

Ms. Coghill Kuntz suggests that to manage your credit, start with these six credit control tips:

1.    Know your credit score. You can order a free credit report from each bureau every 12 months via, or you can opt for unlimited access to 3-in-1 credit reports and credit scores at sites like .

2.    Be sure your bills are paid on time. Delinquent payments and collections can have a major negative impact on your credit score.

3.    Understand how your credit score is formulated. Things like credit inquiries and using too much of your available credit can negatively affect your score.

4.    Learn about credit-related issues. Sites like can educate and keep you informed about personal finance issues and concerns, as well as provide you with the latest news in the areas of credit fraud and identity theft.

5.    Think before you act. Every financial decision should be considered an "executive decision."

6.    Get help if you feel like you're overwhelmed. Consumer Credit Counseling Service (CCCS), a nonprofit organization, provides low- or no-cost services to consumers who need a plan to repay and improve their credit.

About is a service that provides consumers with access to their credit scores, reports and monitoring. For more information, go to

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Aaron Berger

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