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A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan.

The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

  • 720-850 EXCELLENT

  • 700-719 VERY GOOD

  • 675-699 GOOD

  • 620-674 AVERAGE

  • 560-619  POOR

  • 500-559  VERY POOR

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