Understanding your credit score and the role of credit bureaus like Equifax, Experian, and TransUnion is crucial for financial health. This article breaks down how different scoring models, such as FICO and VantageScore, affect your credit score. It also highlights the importance of your payment history and the length of your credit history. Practical steps to improve your credit score include regular monitoring, correcting errors, and maintaining old credit accounts. Proactive measures can help you manage your credit effectively and seize financial opportunities.

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