Only around 1 in 8 Americans know what their credit score is, but this could be costing you. The majority of people make financial decisions every day without a full understanding of the impact they might have on their future and how much more difficult these will become if one doesn't take steps now to better manage themselves financially for when it's time get serious about buying houses or cars with cash instead using loans which come at an interest rate significantly higher than even those available through personal banks accounts...
What Is a Credit Score?
A credit score is a three-digit number that reflects your creditworthiness to lenders and has a significant impact on the cost and availability of goods and services.
why is it important to have a good credit score?
A good credit score is important for many reasons. It determines whether you qualify for a loan and the interest rate that you will be charged on your card balance.
It can also affect your rent and utility bills. If you don't have a good score, it can make it difficult to get a job or even to rent an apartment.
How Do I Build Positive Credit History?
1) Credit card offers - applying for a card may help build your credit history. This is because when you get approved for a new card, that account gets reported to one or more of the major bureaus in your name.
2) Loan offers - getting an auto loan or mortgage will also help your score.
3) Checking account offers - opening a checking account in your name is another way to start building your score. Your bank will report the account’s activity to one or more of the three major bureaus that keep track of your financial health.
4) Going through this process gradually over time is important when it comes to building positive history.
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