Credit scores are used by several groups to determine your financial patterns, habits and in some cases even your character. They're also used to predict the likelihood of your repeating these patterns in the future, for better or for worse. In general credit scores range from 300 (low) to 850 (very high) and everywhere in between. There is still some mystery about how a score is calculated and what factors are involved; but here is very basic overview. Make a few late payments your grade is lowered, pay your bills on time and it’s chances of being higher are greater. Credit scores have the power to be the Varsity letter you wear proudly on your jacket or the Scarlet Letter you wear shamefully on your chest. Given the weight it has on so many aspects of your life you may want to consider doing the following.

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