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Understanding and Improving Your Credit Score

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If you expect to someday apply for a loan of any type and get a competitively low interest rate, you should understand your credit report and credit score and how to improve each. A credit report is basically your credit history, while a credit score is a three-digit score based on the information in your personal credit report. This section highlights what you need to know about your credit score and reports, including how to obtain and improve them. Chapter 4 provides more insight into managing your credit report and credit score.

Personal Finance in Your 20s & 30s For Dummies

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