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What Is a Credit Score?

By Kristi WaterworthUpdated Sep 13, 2025 at 4:56 PM

Key Points

  • Credit scores gauge how well you manage debt, crucial for rentals, phones, and other services.
  • Scores factor in payment history (35%), debt amount (30%), history length (15%), and more.
  • Ideal FICO scores range 670-739; below 580 may face high interest for credit approvals.

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