When was the last time you checked your credit score? Is it in the 700s or kind of in the tank? Credit scores are an enigma sometimes, but it’s the one thing that can make or break our big purchase such as a car, renting an apartment, or even buying a home. What effects your score the most is the amount you owe on things, your payment history, how long your credit history is, and much more. There’s no way to get your credit score perfect overnight, but it’s not impossible at all to build up your score over time.