What is credit and why is it important?
Credit is the ability to borrow money good and services with the understanding that you will (re)pay the lender the amount settled on and with interest or gratuity paid later and over time.
What is a Credit Score and how do lenders use it?
A credit score speaks volume! Tells the lenders about your credit-worthiness (how will you pay back a loan based on your credit history).
FICO SCORES
The FICO® Score, created by Fair Isaac Corporation, is the most widely used credit score. 90% of top lenders use FICO® Scores to help them make billions of credit-related decisions every year.
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