What is a credit score?

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Credit scores are what banks and lenders use to determine your creditworthiness or how much of a risk you are to lend to. All loans carry risk, however the credit score is a record of your past credit history on how timely you pay your bills, how many creditors you owe, and if your credit lines are maxed out or not. The credit scores change over time based on your performance of these items as the creditors you owe for car payments, mortgage payments, credit cards, etc. are disclosed to the credit bureaus.

You can obtain your credit scores from any of three main credit bureaus that lenders use to gather information about your credit history.

Equifax – www.equifax.com

Experian – www.experian.com

Transunion – www.transunion.com

By visiting the websites of any or all of these credit bureaus, you should be able to find out how to obtain your credit score. Lenders use any or all of the credit bureaus to determine your true score. They generally will go with a median score to rate your credit worthiness.

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