There are many factors that can affect your credit score, such as the amount of money you borrow, the rate you pay, the years you have been on the market, etc. Fortunately, you don't need to spend a lot of money on a credit score that will only tell you what you already know. All you need is an Android phone or tablet with a decent Internet connection and the free “My Credit Score - Credit Report” app.

The good thing is that the app doesn’t cost you a penny. All you need to do is install the app and start using it.