Have you ever thought to check your credit score? Many people haven't but most people should. The majority of American's do not know their credit score. There are many reasons why it should be checked including to find out just where the credit bureau's list you in terms of credibility. It may not be where you think it is. The models for credit reporting has long been shrouded in mystery and no one seems to know how the numbers are really calculated. The national average score is 680. The lowest score is 300 and the highest is 850. You are probably venturing a guess right now as to where you think your score is. There is a way to find out and that is by simply requesting your credit score. You can also request your credit reports from the credit reporting agencies. There once was a time when people could not check their own credit score or rating but that has all changed now. Finding out your credit score can give you a lot of information. Interest rates charged by banks, lenders and retailers are based on the applicant's credit score. It just makes sense to know what your credit score is and try to determine how it got to be where it is.