``Like it or not, your credit score today impacts your entire life. But, just because yours is lower than you'd like, or lower than in the past, does not mean you're stuck living with it.

A lower credit score not only means that you'll pay higher interest rates on mortgages, car loans, credit cards and other loans, but it could also prevent you from getting an apartment or being hired for a job you want, or lead to your having to pay more for insurance coverage.

Prospective employers, landlords, lenders and even your insurance company view a higher credit score as a proven ability to manage money and meet financial obligations... they see a higher score as an indication of a persons maturity and stability... as an indication that you will meet your obligations and responsibilities to them as you have to others in the past.''

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