Grow.com — Don’t worry about getting a perfect credit score — this score is all you need

Your credit score is a number that lenders use to assess your creditworthiness, which impacts whether you get a loan and what kind of interest rate you’re offered, explains certified financial planner Dave Alison, executive vice president at Prosperity Capital Advisors in Westlake, Ohio. Your credit score is calculated based on factors like whether you make payments on time and how much debt you have.

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