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How Credit Scores Affect Loans, Credit Cards & Interest Rates

This video explains how credit scores affect loans, credit cards, approval chances, and interest rates in the United States — in a simple and beginner-friendly way.
You’ll learn: • What a credit score is
• How lenders use it in the U.S.
• Why interest rates change based on your score
• How responsible financial habits may improve your score over time
This video is for educational purposes only and does not provide financial, legal, or investment advice. Please always do your own research or consult a qualified professional before making financial decisions.
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How credit scores work in the US
What affects interest rates
USA credit score guide
Loans and credit score explained
Beginner credit education
Personal finance USA
How lenders use credit score
Improve credit score responsibly