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Should I buy a credit score?

You do not need to buy a credit score to get insight into how lenders will view your credit record. 

Your credit report tells you much of the key information about your credit record. Plus, the score you buy may not be the one your lender uses to decide whether to give you credit or how much to charge you for credit.

You are entitled to get a free credit report annually from the nationwide credit reporting companies. It is important to get and review these free credit reports. The information that goes into a credit score generally comes from your credit reports.