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With so much buzz going around regarding credit scores, it can be really confusing to understand how you can obtain a credit score that really matters to you-a score actually used by lenders to make lending decisions. Credit scores, represented as a three-digit number, can influence credit that’s available and terms that lenders may offer. It’s a vital part of credit health and incredibly important that each of us understand the difference between an educational credit score and a credit score that really matters to you. Let’s get started.