640 is the score to aim for when building your own credit score. This episode discusses how to build your own credit score with a secured credit card, certificate of deposit, and revolving credit with 20-30% down by setting up tradeline accounts with local furniture stores. This is practical information you can use to build your credit in the next 30-90 days. These are suggestions to help you so you don't have to pay out of pocket. Consider getting your three credit reports from the credit bureaus. www.annualcreditreport.com.