<p>Your credit score can make or break your chances of getting a personal loan&period;<&sol;p>&NewLine;<p>A good credit score has no impact on your chances of getting a home loan&period;<&sol;p>&NewLine;<p>But there are two types of credit scores that can affect your credit scores&colon; your FICO score and your score by Experian&period;<&sol;p>&NewLine;<p><strong>FICO<&sol;strong><&sol;p>&NewLine;<p>The FICO credit score is the most common credit score that lenders use to determine your ability to borrow&period;<&sol;p>&NewLine;<p>It&&num;8217&semi;s also the most accurate&period;<&sol;p>&NewLine;<p>The best part&quest; You can get a FICO credit score with just one test&period; FICO is available at all major credit reporting agencies&comma; and it&&num;8217&semi;s free&period; Just go to www&period;fico&period;com&period;<&sol;p>&NewLine;<p>Experian This one&&num;8217&semi;s for those who already have a credit report&period; It&&num;8217&semi;s a credit score for those who don&&num;8217&semi;t&comma; based on information gathered by Experian&period; It&&num;8217&semi;s different from the FICO score and isn&&num;8217&semi;t available at most agencies&period; It&&num;8217&semi;s free&period; Try to do it all when you have the opportunity&comma; but you&&num;8217&semi;ll want to check out your own credit report before making any rash decisions&period; It&&num;8217&semi;s the most important factor in your overall creditworthiness&period; The only time you&&num;8217&semi;re allowed to see a credit score is if you&&num;8217&semi;re applying for a credit card&period;<&sol;p>&NewLine;<p><strong>How it works<&sol;strong><&sol;p>&NewLine;<p>If you have a good credit score&comma; the most common type of credit card you&&num;8217&semi;ll have is a revolving loan&period; You don&&num;8217&semi;t have to pay interest while you&&num;8217&semi;re carrying the balance&period; You&&num;8217&semi;ll be charged a small monthly fee&comma; like &dollar;7 to &dollar;12&comma; depending on your card&period; But your credit will improve&comma; and you&&num;8217&semi;ll be able to get a better credit card if you apply for one&period; If you don&&num;8217&semi;t have a good credit score&comma; the next most common type of credit card is a revolving line of credit&period; You have to pay a minimum amount for each month you have the card&period; But you get cash back if you pay off your balance early&period; If you have poor credit&comma; a credit card might be your best bet&period;<&sol;p>&NewLine;<p>Another type of credit card is a revolving line of credit&period; You have to pay a minimum amount for each month you have the card&period; But you get cash back if you pay off your balance early&period; If you have poor credit&comma; a credit card might be your best bet&period; Be sure to visit <a href&equals;"https&colon;&sol;&sol;www&period;sofi&period;com&sol;credit-card&sol;">https&colon;&sol;&sol;www&period;sofi&period;com&sol;credit-card&sol;<&sol;a> to get all the details&period;<&sol;p>&NewLine;<p>You will get a small interest rate on your federal student loans&period; Cash advance&colon; This is a type of credit card you can get with cash&period; This is a type of credit card you can get with cash&period;<&sol;p>&NewLine;