I can't believe no one has mentioned
www.creditboards.com . You can learn a lot from that site.
Go to
www.myfico.com to get the scores that most lenders use, and still see your credit report. You can usually find 15 or 20% coupons for you score. And don't be surprised to learn that your score will differ between the three major bureaus (Experian, Equifax and TransUnion).
