Credit is your ability to access money when you need it; it’s one measure of your financial reputation - an indicator of how consistently you pay back the money you borrow. And, although you may not have thought of it for yourself as a gift this year, just think what it could do:

Unhealthy credit will limit how much money you can access at once, or even prevent you from accessing any. And if you can access some, it will cost you more to get.

On the other hand, healthy credit increases how much money you can access at once and lowers the cost to borrow.

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