 TITLE: What Is a Budget? CONTENT: How Budgeting Can Impact Your Credit\n------------------------------------\nYour credit report doesn't include your income or keep track of whether or not you budget. Budgeting can, however, have a positive impact on your finances and may indirectly help you improve your credit.\nFor example, if you're sticking to a budget, you may be less likely to fall behind and pay a bill late, which could hurt your scores. Or, you may be able to use a budget to make progress on paying down credit card balances, which could lower your utilization rate and help your credit scores. END