I asked for my credit report to review it and got if from Experian. I was so happy to see that I had nothing negative, no late payments or anything and the information is basically all accurate (a few accounts which now have a zero balance need updated). So I sent in the updates but I think that it is in really good shape. In the past my credit report/score has only been so-so not because of late payments or anything but because I had so much outstanding debt. I now have $80K in student loans (which is being consolidated) and $8400 in car loan. Once the $1500 in credit cards is paid off (in the next 3 months) that will be it. That's pretty good right? I am keeping one credit card open with a zero balance and $500 credit limit and then the one that has the $1500 on it (that is also the credit limit). And I have a revolving overdraft on my checking account of $500. How does that sound? Is there anything else I can do to improve my report? Do I need to pull the report from the other two agencies and check it as well?
How do I get my score? It doesn't come with the report. But I just refinanced my car loan from 8.5% to 6.19% interest and they gave it to me so my score can't be that bad.