You sit down to look at your credit report for the first time. If your credit score is above 720, congratulations! You have excellent credit; stop worrying. If your scores are not above 700, no problem—let’s get to work. Take solace in the fact that the national average score is around 676 according to the Gallup Organization. If your scores are below 400, 500, or 600, there’s definitely room for improvement and only one way to go—up!If the numbers I’ve…