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You Are Not Your Credit Score Expert Insights By Tony Tehfe , NMLS# 1177864 & Jorge Diaz , NMLS# 2693808 Meet the Experts What is a Credit Score? A credit score is a three-digit number (typically 300–850) that lenders use to predict repayment likelihood, calculated from your credit report's history of bills, debts, and credit usage. It is the gatekeeper to your financial opportunities. 1. Pay Off High Balances First When improving your score, strategy matters. If you have sev