You have taken the first step on your road to a higher credit score.

Many people wonder where they've gone wrong with their credit score.

Your credit score plays a large part in whether you can buy a house or car.

"The first thing you should do is find out your credit score," Mark said.

"Credit scores - what you should know about your own."

A third party, looking to increase their credit score, contacts the company.

This has a further negative impact on your credit score.

For more information on checking and understanding credit scores, you may visit www.creditlearningcenter.com.

That's a pretty significant amount, considering credit scores range between 300 and 850 points.

Credit scores are something of an obsession in developed nations.