Credit scores range from 300 to 850. Those three digits might seem arbitrary, but they matter — a lot. A good credit score is key to qualifying for the best credit cards, mortgages, and competitive loan rates.  

When you apply for credit, the lender will review your credit report to determine your eligibility based on this information, which includes that three-digit number known as your credit score.  That magic number tells lenders your potential credit risk and ability to repay loans. Credit scores consider various factors, such as payment history and length of credit history from your current and past credit accounts.  

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