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NEW YORK (CNNMoney.com) -- Times are tough, and understanding your credit score is crucial to financial survival. But knowing your score and getting access .

So what can these people do to repair their credit? The simple answer is to focus on the information that is used to generate the all-powerful FICO score .

The three main types of credit loans you can expect to be offered are overdraft facilities, credit cards and revolving personal loans. Overdraft Facility Loans First .

A score of 660 is generally considered the lowest "good" credit score. A 678 is slightly higher, but you'll get better interest rates for your credit with a score in .

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Want to close that unused credit card in the drawer? A FICO expert explains how that will impact the credit score.

The Early Show: Give Your Credit Score A Boost - Ray Martin Explains What It Is, Why It Matters, And How To Improve It

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