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I do not suppose you know what your credit score means do you? Do you really? I think you might want to take another moment to think good and hard on that, because in September of 2004, the Consumer Federation of America reported that of one thousand Americans they surveyed, only one third understood that their score measured how likely they were to repay a loan. In this day and age more businesses are looking at credit scores of prospective employees as a means of assessing risk to the company. A good credit score is a must if you want to qualify for a mortgage, and a bad credit score can hold you back from even something as basic as getting a home phone line hooked up.