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One of the great myths of financial health is that if you’re making the minimum payments on your credit cards or other debt, you have “good” credit. Unfortunately, this isn’t always true. Your credit score is based on a number of factors. A few things that can negatively impact your credit score big time are:

A low credit score can make life more difficult. It can be harder to get loans, and the loans you are eligible for will likely come at a higher interest rate. Knowing how to improve your credit score isn’t just nice-to-know information — it can actually improve your life. If your credit score is lower