Walter Burch, Editor-in-Chief of CreditLearningCenter.com reports on how credit scores work. Your credit report and credit score are the financial picture you present to lenders. Based on the information contained in your credit report, you are assigned a credit score. Credit scores range between 300 and 900, with the average score in the U.S. at 678. Most lenders offer lower interest rates to applicants who have scores above average. It's important to understand that credit scores are far from static. They constantly fluctuate as new information appears on your credit report, or old data is removed. Consumers can monitor credit reports and credit scores on a regular basis, and take steps to improve your credit score. It all starts with understanding the different parts of your credit report and how each of them are "weighted" to determine your credit score. For more information on checking and understanding credit scores, you may visit www.creditlearningcenter.com.