101 Powerful Tips for Legally Improving Your Credit Score

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Misconceptions about credit scores can significantly impact various aspects of life, including job opportunities and housing options. Many individuals mistakenly believe they lack a credit score or that it holds little importance. However, if you have a bank account and bills, you do possess a credit score, which is crucial for obtaining favorable interest rates and loans. This three-digit number, often referred to by various names like FICO score or credit risk rating, is essential for lenders to assess your repayment reliability.