The Credit Education tab up above has a lot of useful info for the lost and baffled, lol. And I love their PDF booklet about all things credit. (It's linked in my siggy below.) I always recommend it for those who are new to credit scoring, as well as to those who have been staggering through this long enough to become hopelessly confused.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007