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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

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U.S. Credit Scores ： Their Importance and How to Manage Them

In the United States, a credit score is more than just a number. It indicates an individual's financial creditworthiness and influences many important financial decisions. So what exactly is this credit score ？ how is it managed and how does it affect your daily life ？ This article will answer these questions while also delving into ways to improve your score and the behaviors that can lower it.

What is a Credit Score ？

A credit score is a number calculated based on an individual's credit history, which typically ranges from 300 to 850. This score is very important because it affects a variety of financial related aspects such as loan approval, interest rates, and even home rental terms.

Score Recording and Management

In the United States, the three main credit bureaus （ Equifax, Experian, and TransUnion ） record individuals' credit history and maintain scores. These agencies collect information such as loan payment history, credit card usage, and amount borrowed, which is then used to calculate a credit score.


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  • Posted : 2024/09/02
  • Published : 2024/09/06
  • Changed : 2024/09/02
  • Total View : 147 persons
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