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Tools and education for better credit

Credit

Learn how to make credit work for you. Reduce debt, manage your money, and reach financial milestones with credit advice from Mint.

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Title: 5 Ways to use your tax refund to build your credit

How to Put That Tax Refund to Work to Build Credit

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Keep tabs on your credit score and learn key strategies for managing your credit with tips and tools from Mint.

Frequently Asked Questions

What is credit?

Credit is a measure of how trustworthy of a borrower lenders are likely to find you. It's based on your financial history, like how consistently you've made payments on loans or repaid credit card balances. The more reliable of a borrower you are, the higher your credit score, and the more likely you are to be approved for a loan in the future, and the better the interest rate you're likely to get.

What is a good credit score?

There are two different credit scores, FICO and VantageScore. The way they measure credit varies slightly, but they both range between 300 and 850. A score over 650 is generally considered good, and above 750 great.

How do I build my credit?

Building credit can take time. The best way to build credit is to borrow money reliably, and stay on top of financial obligations like rent and utilities bills. If your credit takes a hit due to a missed loan payment or other financial hurdle, it's a good idea to take time to rebuild credit before seeking a loan in the future.

What is a credit bureau?

Credit bureaus are large companies that maintain information on consumer and business credit. They are also referred to as credit reporting agencies. These companies provide information to lenders about potential borrowers. If you apply for a mortgage through your local bank, they may request information from a credit bureau, like your credit score, to help determine the interest rate on your loan.

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