@
Silk -
My suggestion would be:
1. Go on Borrowell and get your free credit
score. If the score is what you expected, or where you need it to be, you can stop there (if you're applying for a loan or mortgage, 650 is as low as you want to be). The cool thing with Borrowell is that it gives you the chart also to tell you how good/bad your score is and you can check again every three months (for free!)
Attachment 321152
2. If you want more information on why your score is where it is, you'll have to get the credit report. Mail in to Equifax for the free report mailed to you (and yes you'll need to provide ID - it's for your protection) or pay the $23 to get your report online, which will be emailed to you within minutes. (For me this was worth it to pay the one time)
:)