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Checking Your Credit Report
Your credit score is one of most important numbers in your life. Lenders use your score to determine your creditworthiness. A low score means that you will pay more to borrow money. One late payment can lower your score by as much as 110 points. It is imperative that you check your credit score for accuracy at least once a year. Creditors occasionally misreport data, which can have a drastic effect on your score.