More consumers have an understanding of their credit score and how those scores work, but they are still in the minority according to a new survey.

Commissioned jointly by the Consumer Federation of America and Providian Financial, the survey found that 31 percent of consumers had obtained their credit scores in the past year, up from 24 percent the previous year. The survey, conducted in early August by the Opinion Research Corporation, was its second annual survey on consumers understanding of credit scores. The first survey was conducted in July 2004.

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