According to a recent survey, 44 percent of people have no idea what the term “credit score” means. It’s important that you know because companies are starting to use this score more often when sizing you up for a loan or other service. Basically, a credit score is a three digit number that sums up your credit report. The score was created by the company, Fair Isaac, and it is based on the likelihood that you will pay your bills. The score of 720 or above means you’re in great shape credit wise. The average score in the country is 678. The city with the highest average credit score is Minneapolis at 707. Dallas has the worst with an average credit score of just over 650. When your score drops below 620, you are considered “sub prime.” Help increase your score by paying your bills on time and decreasing the amount of debt you have.