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By: Cael Lynch

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What is a credit score and why do many people thrive for a higher credit score?

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What is a credit score and why do many people thrive for a higher credit score?

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A credit score is a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus. People try to obtain higher credit scores because they can unlock many savings and benefits, including access to loans and credit cards with the most favorable terms.(uses of credit scores)

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Payment history gives lenders a snapshot of how you paid your bills did you pay on time, did you miss any payments, were you sent to collections? If you often miss payments, for example, your score suffers and you are deemed a higher risk by lenders.
Amounts owed can effect your credit score because as your balances increase so does the probability of difficulty meeting monthly payments on time, but that's just part of what determines your credit score.
Credit history Generally, the longer an account has been open and active, the better it is for the credit score. This is because the longer you have it the more accurate the credit score will be and trustworthy.

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https://www.experian.com/blogs/ask-experian/why-would-you-want-a-good-credit-score/#:~:text=Credit%20scores%20are%20an%20important,with%20the%20most%20favorable%20terms.

This source helped me find the main reasons why people push to have higher credit scores but also really helped me with the understanding in general of what they do and what areas of finance they affect and how much like housing cars exc.

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A good credit score can be beneficial in getting better interest rates on loans, access to the best credit cards, housing, and insurance options, and more.

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https://www.credit.com/credit-scores/10-things-everyone-should-know-about-credit-scores/

This source helped my knowledge of what impacts your credit scores the most and how not to have a lower credit score. It also taught me what you can do with your credit score including checking it, and also how it can even help you from fraud, this article helped my knowledge greatly.

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Overall credit scores are very important when it comes to financial aid and relief. Credit scores can be increased and decreased in many different ways mainly based on reliability and paying fees on time. The five main factors that impact credit score are payment history, credit utilization, account types, inquiries, and the average age of the credit accounts.

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I made mine in a padlet to make it more creative but also so I could include many pictures that leave the reader engaged. I covered almost all the bullet points just because I thought all of them were important rather then just doing the minimum of three. Plus that would help build the audiences knowledge greater by including more information.