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moneywatch.com / Spending by MoneyWatch.com | Oct 19, 2010 As important as your credit score is to your financial health, very few people truly know how their scores add up. free credit report 3

And plenty of consumers get it wrong on the important questions, like how to raise your score or how long a black mark lasts.

MoneyWatchs Jill Schlesinger asked John Ulzheimer, president of consumer education for Credit.com, to name the most common misunderstandings and to tell us credit 3 California what will really hurt (or help) your score. As important as credit 3 California your credit score is to your credit 3 California financial health, very few people truly know how credit 3 California their scores add up. free credit reports now And plenty of consumers get it wrong credit 3 California on the important questions, like how to raise your score or how long a black mark lasts. MoneyWatchs Jill Schlesinger asked John Ulzheimer, president of consumer education for Credit.com, to name the most common misunderstandings and to tell us what will really hurt (or help) your score. With FICO scores typically ranging from 350 to 850, 35% of the points on your score are directly tied to whether youre making your payments on time, says Ulzheimer. That leaves 65% of your score that has nothing to do with missed payments. free annual credit report from government