Credit scoring is done by putting a number to a person's past history concerning credit, lending and payments. The credit score can be from 300-850 with the national average being 680. Credit scoring affects how much, if any, credit a person will be able to receive from a bank, a lender or a retailer. This information is calculated by three credit scoring companies which are; Equifax, TransUnion and Experian. A credit score may be different for all three companies but they should be close. It is wise to get your credit report and score occasionally just to check it for errors. Mistakes on credit reports happen all of the time and whether it is an error or not, until you get it fixed it will affect your credit scoring. There is no easy fix if you find your credit scoring is less than perfect. So much is determined by the credit scoring including being able to land a job. Yes, even employers check credit ratings now. Renting a house or an apartment can also be affected by your credit scoring. It seems everyone in the world has access to anyone's credit scoring. That isn't exactly true, but it seems like it sometimes.