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What Are Credit Scores and How Are They Calculated? 21 June 2012 Comments Off. Credit scores are numeric expressions of a person’s creditworthiness, and they offer information on the ability of the individual to make payments on time and fulfill financial duties. The credit score is used by most lenders in the process of deciding whether to offer loans for bad credit. Insurance companies (home, life, medical insurance. Bad Credit – An Error or a Minor Setback, but in No Way a Reason to Panic. Bad Credit ...

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