What is a Good Credit Score and How to Get It?

Your credit affects all areas of your life, from house purchases to banking and even buying a car. So it’s essential to understand what a good credit score is to set yourself up for financial success.

The Role Of Credit Scores In Life

Credit scores help lenders determine, at a fundamental level, whether or not to give a loan to an individual.

What is a Good Credit Score

It won’t just mean more approvals but will free up more money in your budget to save for your kid’s college or to save and invest for retirement.

Get a Handle on Your Bill Payments

Organizing your bill payments so that you make every payment on time is one of the best ways to increase your score.


Don’t Use Up All Your Credit

Your credit utilization ratio refers to the portion of your credit limit that you’re using at any given point in time.


Consider Debt Consolidation

The benefits of a debt consolidation loan are that you no longer need to worry about making multiple payments and instead focus on one monthly deadline.


The Best Way to Check Your Score

To start, you can go to one of three major credit bureaus to check your credit report for free. Your credit report provides a history of your financial activity.

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