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Credit is a financial tool that shapes our lives in numerous ways. It's the gateway to loans, mortgages, and credit cards, allowing us to buy homes, cars, and other essentials. A good credit score, earned by responsible borrowing and timely payments, opens doors to lower interest rates and better financial opportunities. On the flip side, poor credit can limit access to these privileges and lead to higher borrowing costs. Understanding credit is essential for managing your financial health. By using credit wisely and monitoring your credit score, you can harness its power to improve your financial prospects and achieve your goals.