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Credit Reports Create Credit Scores Most Americans are aware that their usage of credit cards and consumer credit (vehicle loans, cellphone contracts, mortgage payments) creates Credit Reports that generate information that Credit Scores are based on. These Credit Scores determine the availability and the cost (interest rate) on credit in the future. Buffing-Up your Credit Score is possible if you have several months before you make a major purchase like a car or a house.

Contributed by stevelee on January 12, 2008, at 8:42 PM UTC.

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This intel was contributed by stevelee

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