Is your credit score bad? Do you know what your credit score is? Many people do not know their own credit score. There are those who find out how bad their score is once they try to apply for credit or get a loan. Of course, not everyone's credit score is bad, but many are worse than people think. The only way to check is to look up your credit score. This can be done online or you can call the credit reporting agencies such as Equifax and ask for a credit report. In fact, you can even contact the credit reporting agencies online. There are ways to improve a bad credit score but it won't happen overnight. People don't get bad credit scores overnight and they can't improve them that fast either. Finding out if your credit score is bad is the first step. After that, decide how you want to improve that credit score. Contact a consumer credit counseling agency or an attorney and take that first step toward improving your credit score. There is too much that hangs in the balance to go on with as bad credit score.