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Credit score is a mathematical number created to help a lender evaluate the risk associated with lending a consumer money.
Having a high credit score means you are more likely to get approved for credit and you get the best interests rates.
Credit history helps a lender determine the terms of credit granted.
That means pay bills on time, keep credit card balances low, don't close unused accounts, and apply for credit when needed!
Positive credit history = higher credit score!
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