Personal FinanceBeginner 3 min read

Credit Score

The three-digit number lenders use to size you up.

Where your score lands changes the rates you're offered on every loan.

What it is

A credit score is a snapshot of how reliably you pay back borrowed money. Higher scores unlock better rates on loans and credit cards.

Payment history and how much of your available credit you use are the biggest factors. Length of history and credit mix matter too.

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