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Credit is simply the ability for a consumer to be able to borrow money in order to purchase a product or service.
You can get credit from a grantor (for example, from a bank), to whom you will need to pay back the full amount and possible interest charges that might add up over the period of time.
This will help you determine your financial health.We use Trans Union (Vantage Score) to show you what’s impacting your credit score, if you are overpaying on your loans and credit cards, and how your financial picture compares to your peers.We’ll show you personalized, objective savings recommendations on home loans, credit cards, auto loans and more.You have several credit scores you can check from the three top credit bureaus to see where your stand in the range. The most popular credit scoring system in the United States is based on the FICO (Fair Isaac Corp.) range.This scoring range starts at 300 as the poorest score and goes up to 850 as the highest range possible, or excellent credit.