<p>btw - if there is ne1 else like me, who is wondering what the heck credit score means and how it is calculated. I found this document pretty useful. It is from the people who calculates the score and explains the Do's and Dont's of credit
<a href="http://www.fairisaac.com/NR/rdonlyres/6F127C6D-E5D2-4EB3-B0CC-A0BD3FE00D94/0/UnderstandCreditScoreBklt.pdf%5B/url%5D">http://www.fairisaac.com/NR/rdonlyres/6F127C6D-E5D2-4EB3-B0CC-A0BD3FE00D94/0/UnderstandCreditScoreBklt.pdf</a></p>