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BUILDING YOUR CREDIT
Chances are that someday soon you’ll want to rent an apartment, buy a car, apply for a credit card or buy your own home. That’s when having a good credit score will matter.
A credit score is a number ranging from 300 to 850 that lenders use to determine whether or not you’re a good credit risk. The higher your score, the better your credit.
Credit scores are provided by the three main credit bureaus in the U.S. — Equifax, Experian and TransUnion. Each bureau maintains its own record of the credit cards and loans that are open in your name, whether or not you pay your bills on time, what your monthly debt is, and other types of information that affect your creditworthiness.
While your credit score will vary somewhat from one credit bureau to the next, all three bureaus gather similar types of information to determine credit scores.
To learn more about building and maintaining good credit, visit our Credit Wellness Center.