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How to Build Credit

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How to build credit

The reason to build credit is that it is a measure of how reliable you are at repaying borrowed money. Credit refers to the ability to borrow money, like getting a loan or credit card. Before a financial institution extends credit, they want to know how likely you are to pay back what you borrow, plus any interest and other charges. They look at your credit history in your credit report and your credit score. If you have good credit history and credit score, you are considered to be reliable. The higher your credit score, the better.