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Your credit score is more than just a number. It's what banks and other lenders use to determine your eligibility for mortgages, credit cards, and other loans. Your credit score is constantly evolving to reflect your money management skills and trustworthiness. Each month, your current lenders will report to credit agencies who keep a report of if and when you pay your debt, and how much you put toward it; that report will determine your overall credit score. If your score is low, you can improve it and increase your chances of being eligible for future loans and opportunities.

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1. Monitor Your Credit Report

If you're trying to improve your credit score, it's important to know what's on your credit report and how that affects your chances of obtaining new credit. You can get a copy of your report from any credit bureau, or you can use services such as Credit Karma or FreeCreditReport.com to access to your report and credit monitoring services for free.

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