A Reddit user improved their credit score from 535 to 667, which enabled them to afford their dream car. The article provides insights on strategies to improve one's credit score, emphasizing the importance of on-time debt payments. It suggests that improving credit can significantly enhance borrowing capability and allow access to better credit card offers. It also mentions how selecting credit cards with 0% Intro APR periods can aid in managing and paying off debt effectively, helping individuals save substantial amounts in interest over time.
Having a not-so-great credit score may not be something that bothers you on a regular basis. But when it stops you from being able to afford the things you want, that's when it can become a real issue.
Your payment history tells lenders whether you pay your debts on time or are chronically late or delinquent. And that's important.
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