What is the difference between a credit report and a credit score?
A credit report is a detailed record of your credit history, while a credit score is a numerical representation of that history.
How often should I check my credit report?
You should check your credit report at least once a year to ensure accuracy and monitor for any fraudulent activity.
Can I get my credit score for free?
Yes, many services offer free access to your credit score, often as part of a credit monitoring service.
What factors affect my credit score?
Factors include payment history, credit utilization, length of credit history, types of credit, and recent inquiries.
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