Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.Your credit is represented by aa three-digit number that gives lenders an idea of how risky you are as a borrower that fluctuates with credit-related activity, like taking out a loan or paying off credit card debt.
Building and maintaining good credit boils down to spending less than you earn and using the rest to get debt-free, save, and invest — the same general personal finance strategy that enables you to build wealth.paying back a credit card
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