I hope you have checked to see if your information was stolen in the Equifax security breach. If not, go to www.equifaxsecurity2017.com. The tab for potential impact is where you initially check your status. Be aware that you enter the last six digits of your Social Security number.
If you look at your credit score from your credit card company, you think this is your “real” credit score. Whether you paid for your score or not, the score is probably different from what a lender would get.
We can take small steps to create a margin of safety for personal finances. The term, “margin of safety,” is an engineering concept used to describe the ability of a system to withstand loads that are greater than expected.