What is a credit score?

A credit score is a numerical assessment of your credit report to determine your eligibility for loans and new lines of credit. A lender will typically use a credit score to determine qualifications and interest rates for a loan or credit card.

A low credit score can result in higher interest rates and add to the likelihood of being denied for a loan or line of credit.

Victims of identity theft typically see their credit scores decrease quickly as a result of the fraudulent items on their credit report. 

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