With so much at stake, it's wise to find out where you stand and take steps to raise your score if it's below 700, particularly before you apply for a mortgage or other loan.  Above 760 and you're in the upper echelon.  A score below 620 tells people you're not a good risk and destines you for credit denial or sub-prime interest rates.

A better score means a better deal from landlords, lenders, insurers and other creditors.  Use these dozen-plus tips to boost yours.

1. Your credit score is likely the most important three-digit number in your life.
2. Your score affects how much you pay for credit, and it can affect other bills you pay, where you live and where you work.
3. Banks and credit card companies review your score when deciding whether to extend you credit and how much interest to charge.
4. A high score can lead to lower car - and home-insurance premiums, a deposit waiver from utility companies and a better service package from the cell-phone company.
5. Many landlords check credit scores before allowing you to sign a lease.
6. Many employers - 35% in 2003 - are doing credit checks on prospective employees, particularly those who would deal with money.  Employers need your written permission to make the check and must give you a chance to respond.