Credit Card Basics, Ch. 2: Understanding credit scores. Ever wonder why you can go online and be approved for credit within 60 seconds?
Or get pre-qualified for a car without anyone even asking you how much money you make? Or why you get one interest rate on loans, while your neighbor gets another? The answer is credit scoring. Your credit score is a number generated by a mathematical algorithm -- a formula -- based on information in your credit report, compared to information on tens of millions of other people.
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