Step 4: Cutting Through the Red Tape

After 3 grueling steps, you're still here? Congratulations! You've made it to the part where we actually start making sense of your credit score. In this step, we'll dissect the dark, mysterious world of credit reporting agencies. Don't worry, it won't hurt... much.

Click here to continue with Step 5: The Great Enigma Unravels

Or, if you're feeling particularly adventurous, explore the following:

• Uncover the hidden patterns behind your credit score (Hint: it involves cat videos)
• Confront the identity theft demons that have taken up residence in your credit report