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Many Americans still don’t have a good grasp of what credit scoring is all about and fail to recognize ways to improve their grades. And a notable revision to the scoring system starting later this year might not help. Credit scoring is a statistical tool that allows all sorts of merchants and lenders to make a quick analysis of your ability to repay a loan or live up to other financial commitments. Credit scores are used by auto dealers, mortgage lenders, insurance companies, utilities and many other entities. More…