After becoming a$($n$)q,$ Author zed User on her parent's credit card, Clara was ablu to make purchases and build her credit under their credit line.

Lenders look at your $$ to determine how reliably you have managed borrowing and repaying money in the past.

Keeping her credit card balance low relative to the credit limit helped Lisa improve her Credit util:zaton fore a key factor in calculating her credit score.

Because Tom has used very little credit in the past, he has a$($n$)$ making it difficult for lenders to assess his risk as a borrower.

One of the most important factors that contributes to your credit score is your

$q,$ perfesitrorstory which records how timely you have been in paying off different lines of credit.

You $$ is a $3-$digit number, typically between $300-850,$ that potential lenders, landlords, and other parties may refer to$.$

Experian, one of the three major $$ collects and maintains individual credit information and provides it to lenders who need to make lending decisions.

The $$ sa government agency that ensures banks, lenders, and other financial companies triat you fairly.