score online to see how I was doing, and it was so low it surprised me. Turns out, I had a medical debt in collections -- a $102 bill from a doctor I visited two years ago. I moved right after that appointment, so the doctor couldn’t track me down to pay my bill. Fortunately, because I checked, I was able to quickly make the payment and get my credit score back on track.
Lenders look at your credit score, also known as your FICO score, to gauge how likely you are to pay back the money they lend you for a mortgage, auto loan or credit card.