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Understanding Your Credit Score

A credit score is a number calculated using information from your credit history. A credit score represents your creditworthiness and indicates the likelihood that you will repay a debt as agreed. Credit Scores are widely used by lenders. A higher credit score increases your chances of getting approved for a loan and obtaining the best interest rate.

What Does My Credit Score Mean?

Here are ways that you can improve your credit score.

Understand your credit score

You are entitled to a free credit report once a year. Go to to pull your report.

Pay your bills on time

Sounds simple enough, but if you have trouble remembering this task, consider setting up email or text payment reminders with your creditors, or automatic bill payment.

Pay at least the minimum on your credit card bill

Pay more if you can.

Correct errors on your credit report

Look for things like incorrect listed late payments; contact the three credit rating agencies if you see discrepancies.

Equifax at
TransUnion at
Experian at

Reduce your debt

Create a plan to pay off your highest interest rate debts first while maintaining minimum payments on your other accounts.

Visit Equifax for more information on how to improve your credit score and pay off debt.

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