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is calculated, it is much easier to take the steps to build good credit. Important disclaimer information about this. Your credit score, good or bad, is based on the FICO credit scoring system. FICO (Fair ISAAC & Company) is the leading credit report agency.. The agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the. The more inquiries into your credit, the lower your score. FELT Roots Family You can get a good credit score boost by not applying for credit for at least six months.. Whether you're

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