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If you’ve ever needed to make a financial decision and thought to yourself, “how will this affect my credit score?”, we salute you. For the majority of Americans, the world of credit seems to be shrouded in secrecy and myth. Terms like credit score, credit report, and FICO score are thrown around without consumers knowing their true meaning. Understanding your FICO Credit Score and why it matters is important, but it doesn’t need to be complicated.