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If you understand what your credit is, it’ll help you protect it. Your credit matters because it affects your ability to get a loan, a job, housing, insurance, and more. Credit is also a bookkeeping entry in accounting, balancing assets and liabilities. Credit is both a contractual agreement for borrowing and a measure of creditworthiness. You can also ensure you make all your payments on time and avoid opening new credit. You can improve your credit by reducing your debt utilization ratio, which is the amount of debt you are using compared to your available credit line.

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