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data-block-id=\"ece46112-3960-412b-8d2d-817ec44d7551\">\u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u09b6\u09c1\u09a7\u09c1 \u098b\u09a3 \u0997\u09cd\u09b0\u09b9\u09a3\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7\u0987 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u09ab\u09c7\u09b2\u09c7 \u09a8\u09be\u0964 \u09ac\u09be\u09a1\u09bc\u09bf\u0993\u09af\u09bc\u09be\u09b2\u09be\u09b0\u09be \u09ad\u09be\u09a1\u09bc\u09be \u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u099f\u09bf \u09af\u09be\u099a\u09be\u0987 \u0995\u09b0\u09c7\u09a8\u0964 \u09ac\u09c0\u09ae\u09be \u0995\u09cb\u09ae\u09cd\u09aa\u09be\u09a8\u09bf\u0997\u09c1\u09b2\u09cb \u09aa\u09cd\u09b0\u09bf\u09ae\u09bf\u09af\u09bc\u09be\u09ae \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u099f\u09bf \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c7\u0964 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\u0986\u09aa\u09a8\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09c1\u09a8, \u0997\u09be\u09a1\u09bc\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09b0\u09cd\u09a5\u09be\u09af\u09bc\u09a8 \u0995\u09b0\u09c1\u09a8 \u09ac\u09be \u09ac\u09cd\u09af\u09ac\u09b8\u09be\u09af\u09bc\u09bf\u0995 \u098b\u09a3\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09c1\u09a8\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af \u0985\u09b0\u09cd\u099c\u09a8\u09c7 \u098f\u099f\u09bf \u098f\u0995\u099f\u09bf \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u09ad\u09c2\u09ae\u09bf\u0995\u09be \u09aa\u09be\u09b2\u09a8 \u0995\u09b0\u09c7\u0964 \u0987\u0995\u09c1\u0987\u09ab\u09cd\u09af\u09be\u0995\u09cd\u09b8\u09c7\u09b0 \u09ae\u09a4\u09c7, FICO \u09b8\u09cd\u0995\u09cb\u09b0\u09bf\u0982 \u09ae\u09a1\u09c7\u09b2 \u0986\u09a8\u09c1\u09b7\u09cd\u09a0\u09be\u09a8\u09bf\u0995\u09ad\u09be\u09ac\u09c7 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u09b9\u09bf\u09b8\u09cd\u099f\u09cd\u09b0\u09bf\u0995\u09c7 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac \u09a6\u09c7\u09af\u09bc\u0964 <b>35%<\/b>\u09a6\u09c7\u09a8\u09be\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 (\u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0) \u09e9\u09e6%, \u098f\u09ac\u0982 \u09ac\u09be\u0995\u09bf \u09a4\u09bf\u09a8\u099f\u09bf \u09ac\u09bf\u09ad\u09be\u0997 (\u09ae\u09c7\u09af\u09bc\u09be\u09a6, \u09a8\u09a4\u09c1\u09a8 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f, \u09ae\u09bf\u09b6\u09cd\u09b0\u09a3) \u09aa\u09cd\u09b0\u09a4\u09bf\u099f\u09bf \u09e7\u09eb% \u09ac\u09be \u09e7\u09e6%\u0964 \u098f\u099b\u09be\u09a1\u09bc\u09be\u0993, FICO \u099c\u09be\u09a8\u09bf\u09af\u09bc\u09c7\u099b\u09c7 \u09af\u09c7 \u099c\u09be\u09a4\u09c0\u09af\u09bc \u0997\u09a1\u09bc FICO \u09b8\u09cd\u0995\u09cb\u09b0 \u099b\u09bf\u09b2 <b>717<\/b> \u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7\u09b0 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2\u09c7\u0964 (\u09a4\u09a5\u09cd\u09af\u09b8\u09c2\u09a4\u09cd\u09b0:) <a class=\"ng-star-inserted\" href=\"https:\/\/www.equifax.com\/personal\/education\/credit\/score\/articles\/-\/learn\/what-is-a-fico-score\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQ_Ag\">\u0987\u0995\u09c1\u0987\u09ab\u09cd\u09af\u09be\u0995\u09cd\u09b8<\/a>, <a class=\"ng-star-inserted\" href=\"https:\/\/www.fico.com\/en\/newsroom\/average-u-s-fico-score-holds-717-despite-economic-uncertainty\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQ_Qg\">FICO<\/a>)<\/p>\n<h2 data-block-id=\"a258a9ad-20b6-4b59-99f6-2eb237e942ea\"><strong>\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u0987\u09a4\u09bf\u09b9\u09be\u09b8: \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f 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data-block-id=\"7c736e86-28f4-47c2-b96f-e4db8d039f22\">\u098f\u0995\u099f\u09bf \u09ae\u09be\u09a4\u09cd\u09b0 \u09ac\u09bf\u09b2 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7 \u09ac\u09bf\u09b2\u09ae\u09cd\u09ac \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u09eb\u09e6 \u09a5\u09c7\u0995\u09c7 \u09e7\u09e6\u09e6 \u09aa\u09af\u09bc\u09c7\u09a8\u09cd\u099f \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0995\u09ae\u09bf\u09af\u09bc\u09c7 \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u098f\u09b0 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09be\u09ae\u0997\u09cd\u09b0\u09bf\u0995 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09aa\u09cd\u09b0\u09cb\u09ab\u09be\u0987\u09b2\u09c7\u09b0 \u0993\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7\u0964 \u09af\u09be\u09a6\u09c7\u09b0 \u0986\u0997\u09c7 \u09ad\u09be\u09b2\u09cb \u09b8\u09cd\u0995\u09cb\u09b0 \u099b\u09bf\u09b2, 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\u099c\u09be\u09a8\u09bf\u09af\u09bc\u09c7 \u09a6\u09c7\u09af\u09bc\u0964 \u09ec\u09e6 \u09ac\u09be \u09ef\u09e6 \u09a6\u09bf\u09a8 \u09a6\u09c7\u09b0\u09bf \u09b9\u09b2\u09c7 \u098f\u09b0 \u09a8\u09c7\u09a4\u09bf\u09ac\u09be\u099a\u0995 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u0986\u09b0\u0993 \u09a4\u09c0\u09ac\u09cd\u09b0 \u09b9\u09af\u09bc\u0964<\/p>\n<ul data-block-id=\"99d8d29b-6e53-4e62-b37e-f4c7449bd8e5\">\n<li>\n<p data-block-id=\"60165ee5-e551-4e46-bf0e-ebf7014c31b8\"><strong>\u09e9\u09e6 \u09a6\u09bf\u09a8 \u09a6\u09c7\u09b0\u09bf\u09a4\u09c7<\/strong>\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09ac\u09cd\u09af\u09c1\u09b0\u09cb\u09a4\u09c7 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0995\u09b0\u09be \u09b9\u09b2\u09c7, \u09b8\u09cd\u0995\u09cb\u09b0 \u09a4\u09be\u09ce\u0995\u09cd\u09b7\u09a3\u09bf\u0995\u09ad\u09be\u09ac\u09c7 \u0995\u09ae\u09c7 \u09af\u09be\u09af\u09bc\u0964<\/p>\n<\/li>\n<li>\n<p data-block-id=\"baee60c4-0295-4387-89a3-2cebe40c0530\"><strong>\u09ec\u09e6-\u09ef\u09e6 \u09a6\u09bf\u09a8 \u09a6\u09c7\u09b0\u09bf\u09a4\u09c7<\/strong>\u0986\u09b0\u0993 \u0997\u09c1\u09b0\u09c1\u09a4\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u0995\u09cd\u09b7\u09a4\u09bf, \u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09cd\u09af \u0986\u09a6\u09be\u09af\u09bc \u09a8\u09cb\u099f\u09bf\u09b6<\/p>\n<\/li>\n<li>\n<p data-block-id=\"81b4bb64-db47-49d9-9d05-72b4bb1fc17f\"><strong>\u09e7\u09e8\u09e6 \u09a6\u09bf\u09a8\u09c7\u09b0\u0993 \u09ac\u09c7\u09b6\u09bf \u09a6\u09c7\u09b0\u09bf<\/strong>\u099a\u09be\u09b0\u09cd\u099c \u09ac\u09a8\u09cd\u09a7 \u09b9\u09af\u09bc\u09c7 \u09af\u09be\u0993\u09af\u09bc\u09be\u09b0 \u099d\u09c1\u0981\u0995\u09bf, \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u0989\u09b2\u09cd\u09b2\u09c7\u0996\u09af\u09cb\u0997\u09cd\u09af \u0995\u09cd\u09b7\u09a4\u09bf<\/p>\n<\/li>\n<\/ul>\n<p data-block-id=\"d4d0ee1f-4080-4496-9f35-a8b6116a853d\">\u09af\u09a6\u09bf \u0986\u09aa\u09a8\u09bf \u09ac\u09c1\u099d\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8 \u09af\u09c7 \u0986\u09aa\u09a8\u09bf \u098f\u0995\u099f\u09bf \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u09a8\u09bf, \u09a4\u09be\u09b9\u09b2\u09c7 \u0985\u09ac\u09bf\u09b2\u09ae\u09cd\u09ac\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3\u09a6\u09be\u09a4\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u09af\u09cb\u0997\u09be\u09af\u09cb\u0997 \u0995\u09b0\u09c1\u09a8\u0964 \u09af\u09a6\u09bf \u098f\u099f\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u09a5\u09ae\u09ac\u09be\u09b0 \u09b9\u09af\u09bc \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09bf \u09a6\u09cd\u09b0\u09c1\u09a4 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09c7\u09a8, \u09a4\u09ac\u09c7 \u0995\u09c7\u0989 \u0995\u09c7\u0989 \u09ac\u09bf\u09b2\u09ae\u09cd\u09ac \u09ab\u09bf \u09ae\u0993\u0995\u09c1\u09ab \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7 \u09ac\u09be \u09ac\u09bf\u09b7\u09af\u09bc\u099f\u09bf \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u09a8\u09be\u0993 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7 \u09ac\u09cd\u09af\u09b0\u09cd\u09a5 \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09aa\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u09aa\u09c1\u09a8\u09b0\u09c1\u09a6\u09cd\u09a7\u09be\u09b0 \u0995\u09b0\u09a4\u09c7 \u09b8\u09ae\u09af\u09bc \u09b2\u09be\u0997\u09c7, \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09a8\u09bf\u09af\u09bc\u09ae\u09bf\u09a4 \u09b8\u09ae\u09af\u09bc\u09ae\u09a4\u09cb \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u0995\u09b0\u09b2\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u0989\u09a8\u09cd\u09a8\u09a4 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u0995\u09a8\u099c\u09bf\u0989\u09ae\u09be\u09b0 \u09ab\u09be\u0987\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09b8\u09bf\u09af\u09bc\u09be\u09b2 \u09aa\u09cd\u09b0\u09cb\u099f\u09c7\u0995\u09b6\u09a8 \u09ac\u09cd\u09af\u09c1\u09b0\u09cb (CFPB) \u0985\u09a8\u09c1\u09b8\u09be\u09b0\u09c7, \u09ac\u09bf\u09b2\u09ae\u09cd\u09ac\u09c7 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u09b8\u09b9 \u09ac\u09c7\u09b6\u09bf\u09b0\u09ad\u09be\u0997 \u09a8\u09c7\u09a4\u09bf\u09ac\u09be\u099a\u0995 \u09a4\u09a5\u09cd\u09af, \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09ae\u09c2\u09b2 \u09a4\u09be\u09b0\u09bf\u0996 \u09a5\u09c7\u0995\u09c7 \u09b8\u09be\u09a4 \u09ac\u099b\u09b0 \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0995\u09b0\u09be \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 <a class=\"ng-star-inserted\" href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-long-does-information-stay-on-my-credit-report-en-323\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQ3Ag\">\u09b8\u09bf\u098f\u09ab\u09aa\u09bf\u09ac\u09bf<\/a><\/p>\n<h2 data-block-id=\"2584b94b-18b8-43bd-a1e1-1fd01faab120\"><strong>\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u09c7\u09b0 \u09b9\u09be\u09b0: \u0986\u09aa\u09a8\u09be\u09b0 \u0989\u09aa\u09b2\u09ac\u09cd\u09a7 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f\u09c7\u09b0 \u09ad\u09be\u09b0\u09b8\u09be\u09ae\u09cd\u09af \u09b0\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09be<\/strong><\/h2>\n<h3 data-block-id=\"af7c047f-865f-415d-8653-44fc8bd7ce6c\"><strong>\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09ac\u09b2\u09a4\u09c7 \u0995\u09c0 \u09ac\u09cb\u099d\u09be\u09af\u09bc?<\/strong><\/h3>\n<p data-block-id=\"33e71bca-61bc-4c10-8955-bb08fd7964a1\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09b9\u09b2\u09cb 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\u09a4\u09be\u09b0\u09aa\u09b0, \u09b6\u09a4\u09be\u0982\u09b6\u09c7 \u09aa\u09cd\u09b0\u0995\u09be\u09b6 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09e7\u09e6\u09e6 \u09a6\u09bf\u09af\u09bc\u09c7 \u0997\u09c1\u09a3 \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<p data-block-id=\"e4c6f420-dc28-49bb-b73d-e6de08ab0e76\">\u0989\u09a6\u09be\u09b9\u09b0\u09a3\u09b8\u09cd\u09ac\u09b0\u09c2\u09aa, \u09af\u09a6\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09a6\u09c1\u099f\u09bf \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1 \u09a5\u09be\u0995\u09c7 \u09af\u09be\u09b0 \u09ae\u09cb\u099f \u09b2\u09bf\u09ae\u09bf\u099f \u09e7\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u098f\u09ac\u0982 \u09ac\u09cd\u09af\u09be\u09b2\u09c7\u09a8\u09cd\u09b8 \u09e9,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0, \u09a4\u09be\u09b9\u09b2\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09b0\u09c7\u099f \u09b9\u09ac\u09c7 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data-block-id=\"8cf8d2ec-2426-4ae1-a3e7-9ab297ff2c5e\">\u0995\u09bf\u099b\u09c1 \u09b2\u09cb\u0995 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0995\u09b0\u09be \u09ac\u09cd\u09af\u09be\u09b2\u09c7\u09a8\u09cd\u09b8 \u0995\u09ae \u09b0\u09be\u0996\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09cd\u09b0\u09a4\u09bf \u09ae\u09be\u09b8\u09c7 \u098f\u0995\u09be\u09a7\u09bf\u0995\u09ac\u09be\u09b0 \u09a4\u09be\u09a6\u09c7\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1\u09c7\u09b0 \u09ac\u09bf\u09b2 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09c7\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u099f\u09c7\u099f\u09ae\u09c7\u09a8\u09cd\u099f \u09ac\u09a8\u09cd\u09a7 \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09a4\u09be\u09b0\u09bf\u0996\u09c7\u09b0 \u0986\u0997\u09c7 \u098f\u0995\u099f\u09bf \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u0995\u09b0\u09b2\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09b0\u09c7\u099f \u09ac\u09c7\u09a1\u09bc\u09c7 \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u0995\u09be\u09b0\u09cd\u09a1 \u0987\u09b8\u09cd\u09af\u09c1\u0995\u09be\u09b0\u09c0 \u09b8\u0982\u09b8\u09cd\u09a5\u09be\u0997\u09c1\u09b2\u09cb \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09b8\u09c7\u0987 \u09a4\u09be\u09b0\u09bf\u0996\u09c7\u0987 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09be\u09b2\u09c7\u09a8\u09cd\u09b8 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7\u0964 <span style=\"font-size: inherit;\">\u098f\u0995\u09cd\u09b8\u09aa\u09c7\u09b0\u09bf\u09af\u09bc\u09be\u09a8\u09c7\u09b0 \u09a4\u09a5\u09cd\u09af \u0985\u09a8\u09c1\u09b8\u09be\u09b0\u09c7, \u098f\u0995\u09cd\u09b8\u09c7\u09aa\u09b6\u09a8\u09be\u09b2 \u09ab\u09be\u0987\u0995\u09cb \u09b8\u09cd\u0995\u09cb\u09b0 \u09b0\u09c7\u099e\u09cd\u099c\u09c7 (\u09ee\u09e6\u09e6-\u09ee\u09eb\u09e6) \u09a5\u09be\u0995\u09be \u0997\u09cd\u09b0\u09be\u09b9\u0995\u09b0\u09be \u0997\u09a1\u09bc\u09c7 \u09ae\u09be\u09a4\u09cd\u09b0 \u09ed.\u09e7% \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09b0\u09c7\u09b6\u09bf\u0993 \u09ac\u099c\u09be\u09af\u09bc \u09b0\u09be\u0996\u09c7\u09a8, \u09af\u09be \u098f\u0987 \u09a8\u09c0\u09a4\u09bf\u0995\u09c7 \u0986\u09b0\u0993 \u09b6\u0995\u09cd\u09a4\u09bf\u09b6\u09be\u09b2\u09c0 \u0995\u09b0\u09c7 \u09af\u09c7 \u0995\u09ae \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u0989\u099a\u09cd\u099a\u09a4\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0\u09c7\u09b0 \u09a6\u09bf\u0995\u09c7 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09bf\u09a4 \u0995\u09b0\u09c7\u0964 <\/span><a class=\"ng-star-inserted\" style=\"font-size: inherit;\" href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/credit-utilization-rate\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" 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data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQtAk\">\u09ab\u09cd\u09b0\u09bf\u09b2\u09cd\u09af\u09be\u09a8\u09cd\u09b8-\u098b\u09a3-\u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be<\/a><\/b>.<\/p>\n<\/li>\n<li>\n<p data-block-id=\"433beacd-27b6-41bf-93f8-cf5c429f3935\"><strong>\u09ad\u09c1\u09b2\u09a4\u09cd\u09b0\u09c1\u099f\u09bf\u0997\u09c1\u09b2\u09cb \u0985\u09ac\u09bf\u09b2\u09ae\u09cd\u09ac\u09c7 \u099c\u09be\u09a8\u09be\u09a8: <\/strong><\/p>\n<ul data-block-id=\"3b08c085-5307-4509-92c8-cc5836ae0097\">\n<li>\n<p data-block-id=\"1a67b145-5cd1-49cb-831c-fc97b359faa9\">\u09ad\u09c1\u09b2\u09a4\u09cd\u09b0\u09c1\u099f\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09ac\u09cd\u09af\u09c1\u09b0\u09cb\u09b0 \u0995\u09be\u099b\u09c7 \u0985\u09ad\u09bf\u09af\u09cb\u0997 \u09a6\u09be\u09af\u09bc\u09c7\u09b0 \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<\/li>\n<li>\n<p data-block-id=\"b695fbb5-544c-427d-b5ef-f5502ebf2584\">\u098f\u09b0 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data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQtQk\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f-\u09b8\u09cd\u0995\u09cb\u09b0-\u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0-\u0985\u09a8\u09c1\u09ae\u09be\u09a8<\/a><\/b>.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h3><\/h3>\n<h2 data-block-id=\"fb7f3bc4-7460-4cb4-8038-497b15042bb0\"><strong>\u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09ad\u09ac\u09bf\u09b7\u09cd\u09af\u09a4\u09c7\u09b0 \u09a8\u09bf\u09af\u09bc\u09a8\u09cd\u09a4\u09cd\u09b0\u09a3 \u0997\u09cd\u09b0\u09b9\u09a3 \u0995\u09b0\u09be<\/strong><\/h2>\n<p data-block-id=\"18b4aec3-288d-4bdb-881a-63d6e69ceb48\">\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u09b8\u09ae\u09af\u09bc\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u0986\u099a\u09b0\u09a3\u09c7\u09b0 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\u0986\u09aa\u09a8\u09be\u09b0 \u09b0\u09c7\u099f\u09bf\u0982 \u09ac\u09be\u09a1\u09bc\u09be\u09a8\u09cb \u09af\u09be\u09af\u09bc \u09b8\u09c7 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u0986\u09b0\u0993 \u0997\u09ad\u09c0\u09b0 \u099c\u09cd\u099e\u09be\u09a8 \u09aa\u09c7\u09a4\u09c7, \u0986\u09ae\u09be\u09a6\u09c7\u09b0 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u09a8\u09bf\u09b0\u09cd\u09a6\u09c7\u09b6\u09bf\u0995\u09be\u099f\u09bf \u09a6\u09c7\u0996\u09c1\u09a8\u0964 <b><a class=\"ng-star-inserted\" href=\"https:\/\/toolstecique.com\/bn\/credit-score-improvement-and-financial-future\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwj2osOigLeQAxUAAAAAHQAAAAAQtgk\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f-\u09b8\u09cd\u0995\u09cb\u09b0-\u0989\u09a8\u09cd\u09a8\u09a4\u09bf<\/a><\/b>.<\/p>\n<h3 data-block-id=\"ba9b3dbd-3883-4091-b2df-43197afe335c\"><strong>\u09aa\u09cd\u09b0\u09be\u09af\u09bc\u09b6\u0987 \u099c\u09bf\u099c\u09cd\u099e\u09be\u09b8\u09bf\u09a4 \u09aa\u09cd\u09b0\u09b6\u09cd\u09a8\u09be\u09ac\u09b2\u09c0<br \/>\n<\/strong><\/h3>\n<p><strong data-start=\"1261\" data-end=\"1321\">\u0986\u09ae\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0\u0995\u09c7 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09bf\u09a4 \u0995\u09b0\u09be\u09b0 \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u09ac\u09a1\u09bc \u0995\u09be\u09b0\u09a3 \u0995\u09cb\u09a8\u099f\u09bf?<\/strong><br data-start=\"1321\" data-end=\"1324\" \/>\u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u0987\u09a4\u09bf\u09b9\u09be\u09b8 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0\u0995\u09c7 \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u09ac\u09c7\u09b6\u09bf \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09bf\u09a4 \u0995\u09b0\u09c7\u0964 \u098f\u099f\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09cb\u099f \u09b8\u09cd\u0995\u09cb\u09b0\u09c7\u09b0 \u09e9\u09eb% \u0997\u09a0\u09a8 \u0995\u09b0\u09c7 \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09bf \u0995\u09a4\u099f\u09be \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0\u09af\u09cb\u0997\u09cd\u09af\u09ad\u09be\u09ac\u09c7 \u09ac\u09bf\u09b2 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09c7\u09a8 \u09a4\u09be \u09aa\u09cd\u09b0\u09a4\u09bf\u09ab\u09b2\u09bf\u09a4 \u0995\u09b0\u09c7\u0964<\/p>\n<p><strong data-start=\"1447\" data-end=\"1505\">\u0986\u09ae\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u0995\u09a4 \u09b8\u09c0\u09ae\u09be\u09b0 \u09a8\u09bf\u099a\u09c7 \u09b0\u09be\u0996\u09be \u0989\u099a\u09bf\u09a4?<\/strong><br data-start=\"1505\" data-end=\"1508\" \/>\u09ad\u09be\u09b2\u09cb \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09aa\u09a8\u09be\u09b0 \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09e9\u09e6%-\u098f\u09b0 \u09a8\u09bf\u099a\u09c7 \u09b0\u09be\u0996\u09c1\u09a8\u0964 \u09b8\u09c7\u09b0\u09be \u09b8\u09cd\u0995\u09cb\u09b0\u0997\u09c1\u09b2\u09cb\u09a4\u09c7 \u09aa\u09cd\u09b0\u09be\u09af\u09bc\u09b6\u0987 \u0987\u0989\u09b8\u09c7\u099c \u09e7\u09e6%-\u098f\u09b0 \u0995\u09ae \u09a5\u09be\u0995\u09c7\u0964<\/p>\n<p><strong data-start=\"1609\" data-end=\"1669\">\u09aa\u09c1\u09b0\u09a8\u09cb \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1 \u09ac\u09a8\u09cd\u09a7 \u0995\u09b0\u09b2\u09c7 \u0995\u09bf \u0986\u09ae\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0\u09c7\u09b0 \u0995\u09cd\u09b7\u09a4\u09bf \u09b9\u09af\u09bc?<\/strong><br data-start=\"1669\" data-end=\"1672\" \/>\u09b9\u09cd\u09af\u09be\u0981\u0964 \u09aa\u09c1\u09b0\u09cb\u09a8\u09cb \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f \u09ac\u09a8\u09cd\u09a7 \u0995\u09b0\u09b2\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b9\u09bf\u09b8\u09cd\u099f\u09cd\u09b0\u09bf \u09b8\u0982\u0995\u09cd\u09b7\u09bf\u09aa\u09cd\u09a4 \u09b9\u09af\u09bc\u09c7 \u09af\u09be\u09af\u09bc \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u0995\u09ae\u09c7 \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u09b8\u09ae\u09cd\u09ad\u09ac \u09b9\u09b2\u09c7 \u09b8\u09c7\u0997\u09c1\u09b2\u09cb \u0996\u09cb\u09b2\u09be \u09b0\u09be\u0996\u09c1\u09a8\u0964<\/p>\n<p><strong data-start=\"1783\" data-end=\"1849\">\u098f\u0995\u099f\u09bf \u09b9\u09be\u09b0\u09cd\u09a1 \u0987\u09a8\u0995\u09cb\u09af\u09bc\u09be\u09b0\u09bf \u0986\u09ae\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u0995\u09a4 \u09aa\u09af\u09bc\u09c7\u09a8\u09cd\u099f \u0995\u09ae\u09bf\u09af\u09bc\u09c7 \u09a6\u09c7\u09af\u09bc?<\/strong><br data-start=\"1849\" data-end=\"1852\" \/>\u098f\u0995\u099f\u09bf \u09b9\u09be\u09b0\u09cd\u09a1 \u0987\u09a8\u0995\u09cb\u09af\u09bc\u09be\u09b0\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u09eb-\u09e7\u09e6 \u09aa\u09af\u09bc\u09c7\u09a8\u09cd\u099f \u0995\u09ae\u09bf\u09af\u09bc\u09c7 \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f\u09c7\u09b0 \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af \u09b0\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09a4\u09c7 \u09a8\u09a4\u09c1\u09a8 \u0986\u09ac\u09c7\u09a6\u09a8 \u09b8\u09c0\u09ae\u09bf\u09a4 \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<p><strong data-start=\"1959\" data-end=\"2015\">\u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09a7\u09b0\u09a8\u09c7\u09b0 \u098b\u09a3 \u09a5\u09be\u0995\u09be \u0995\u09c7\u09a8 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3?<\/strong><br data-start=\"2015\" data-end=\"2018\" \/>\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1 \u098f\u09ac\u0982 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u098b\u09a3\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09b8\u09c1\u09b7\u09ae \u09ae\u09bf\u09b6\u09cd\u09b0\u09a3 \u09aa\u09cd\u09b0\u09ae\u09be\u09a3 \u0995\u09b0\u09c7 \u09af\u09c7 \u0986\u09aa\u09a8\u09bf \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09a7\u09b0\u09a8\u09c7\u09b0 \u098b\u09a3 \u09b8\u09be\u09ae\u09b2\u09be\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8, \u09af\u09be \u09b8\u09ae\u09af\u09bc\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0 \u0989\u09a8\u09cd\u09a8\u09a4 \u0995\u09b0\u09c7\u0964<\/p>\n<p><strong>\u0986\u09b0\u0993 \u09aa\u09a1\u09bc\u09c1\u09a8: <\/strong><a href=\"https:\/\/toolstecique.com\/bn\/investing-for-freelancers-building-long-term-wealth\/\">\u09ab\u09cd\u09b0\u09bf\u09b2\u09cd\u09af\u09be\u09a8\u09cd\u09b8\u09be\u09b0\u09a6\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997: \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u09b8\u09ae\u09cd\u09aa\u09a6 \u0997\u09a1\u09bc\u09be<\/a><\/p>\n<p data-block-id=\"322e3f60-ff71-428f-88d6-8d2f912a7d3d\" data-pm-slice=\"1 3 []\"><strong>\u09a4\u09a5\u09cd\u09af\u09b8\u09c2\u09a4\u09cd\u09b0:<\/strong><\/p>\n<ul data-block-id=\"b56ad904-fd4b-4e4f-8d11-ffd20bd57e35\">\n<li>\n<p data-block-id=\"4e433a1c-b6ab-407c-bc6e-7b21c2ce8b40\">\u00a0<a class=\"ng-star-inserted\" href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/bcfp_consumer-rights-summary_2018-09.pdf\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u09ab\u09c7\u09af\u09bc\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f\u09bf\u0982 \u0985\u09cd\u09af\u09be\u0995\u09cd\u099f (FCRA)<\/a><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-best-percentile-for-credit-utilization\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u00a0 <\/a><\/p>\n<\/li>\n<li>\n<p data-block-id=\"0b447572-94e3-4970-8137-37f38705dc4a\"><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-best-percentile-for-credit-utilization\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u00a0\u09b8\u09b0\u09cd\u09ac\u09cb\u09a4\u09cd\u09a4\u09ae \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0987\u0989\u099f\u09bf\u09b2\u09be\u0987\u099c\u09c7\u09b6\u09a8 \u09b0\u09c7\u09b6\u09bf\u0993 \u0995\u09cb\u09a8\u099f\u09bf?<\/a><\/p>\n<\/li>\n<li>\n<p data-block-id=\"45b3fe42-08d1-4103-8989-1cda0884ae56\"><a href=\"https:\/\/www.intuit.com\/blog\/innovative-thinking\/what-is-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u0995\u09c0? \u098f\u09b0 \u0989\u09aa\u09be\u09a6\u09be\u09a8\u09b8\u09ae\u09c2\u09b9, \u09aa\u09cd\u09b0\u0995\u09be\u09b0\u09ad\u09c7\u09a6 \u0993 \u0986\u09b0\u0993 \u0985\u09a8\u09c7\u0995 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Knowing 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