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Free credit scores are available through different websites, such as Credit.com. Having this information in advance can help you determine not only if you can qualify for a loan, but also if you can expect a higher interest rate. If you have excellent credit (800 and above), you may be able to negotiate a lower interest rate or better terms on your loan or credit card. If you can’t find a site that offers free credit scores, you could always go to myfico.com and pay a small fee for your credit score.

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