Focus on Finance: Credit and auto insurance can upset your budget

Question: Recently I was asked by my insurance agent on a scale of 1-10, what is the rating of my credit score. My reply: I have a good credit rating. But after thinking about it, what was the point of the question? 

Answer: Credit scores determine how much we spend or even how much we can save. They also determine what types of products you buy and how long those products may or may not last.  

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