There are many different factors that go into your credit score, also known as FICO score. Your FICO score is calculated based on your credit report by a formula created by the Fair Isaac Corporation. However, FICO does not actually disclose its exact formula. Though nobody knows exactly how important each factor is in calculating the credit score, one known factor that plays a large role is your utilization rate. You can teach your tribe how to improve their credit score by demystifying the process. You’ll be their hero!
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