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10 Reasons why Your Credit Score Matters

Here are 10 Reasons Why Your Credit Matters  Better Interest Rates. If you have bad credit you will receive much higher interest rates, which means paying more money for the same product a person with good credit pays less for.No Down Payments or Deposits.  Did you...

Credit Basics 101: How is a Credit Score Calculated?

Your Score is based on five things:35% Payment History  Your ability to pay on time is the most important factor of your score. Your Payment History affects your score in three ways:  Recency – How long has it been since your last late payment? The longer the better...

Credit Basics 101: What is a Credit Score?

The information from your credit report is used to calculate your CREDIT SCORE. Your credit score is calculated based on the information in your credit report. Think of it as a grade.  The purpose is to give lenders a means to instantly determine your creditworthiness...

Credit Basics 101: Exactly what IS a credit report?

Let’s start from ground zero. If you don’t know anything at all about credit or don’t have a deep enough understanding, then the first place you should start is here: What exactly is a credit report and why should I know what’s in mine?Think of your credit report as...

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