Get a credit score explanation after you find out what your credit score is. By understanding what that number is based on, you can identify problems and make improvements to your credit report. Getting your credit scores explained can also put you in a good position to negotiate the interest rate you receive on a loan. While this may not work with all financial institutions, most people don’t realize that it is possible to negotiate the interest rate and other terms for your loan. It takes knowing your credit score to put you in a position to try for better terms of your loan.

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