Summary
Your credit rating is important. This article explains how credit ratings work, their effects and what to do if the score is based on incorrect information.

How Your Credit Rating is Determined

By John Mussi

A person's credit rating is a very important part of their life. having bad credit can affect your ability to get a loan, credit card, auto financing, some bank accounts, and even some jobs. While many people are aware of how important their credit rating is, they might not know exactly how it is that their credit rating is determined.
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