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: The most critical factor; it tracks whether you pay bills on time.

A credit score is a three-digit numerical representation of your creditworthiness, typically ranging from . It acts as a financial "snapshot" that tells lenders how likely you are to repay borrowed money on time. Core Components of a Credit Score

What is a credit score? | Consumer Financial Protection Bureau

: The variety of accounts you have, such as credit cards, retail accounts, and installment loans (auto, student, or mortgage).