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It shows the risk you represent to a lender compared to other consumers.
Knowing your credit score before a major purchase, such as a car or a home, may help you to negotiate lower interest rates.
Once you've successfully opened a credit card or loan, don’t use up too much of your available credit and pay back what you borrow on time each month.A lender will use your credit score to determine if they will lend you money and how much interest they will charge you to borrow it.Your credit score is a number calculated from the information in your credit report.If your credit report contains negative accounts that should be positive, you can use the credit report dispute process to have the information corrected.For example, your credit report may show that you were late on a payment that you’re certain you paid on time.
You can’t directly add things to your credit report, even if they're bills you actually pay each month. Creditors you have accounts with with may report your credit history to one or all three of the bureaus based on their existing relationship with that bureau.