 TITLE: What Is Financial Planning and How Can it Help Me? CONTENT: How Does Your Credit Score Affect Financial Planning?\n-----------------------------------------------------\nYour credit score is a major component of your financial plan, and establishing and maintaining an excellent credit history is crucial.\nThe primary reason for this is that your credit score affects how much it costs to borrow money. Whether you're financing a mortgage or a car, or you're applying for a credit card or personal loan, a higher credit score can get you a lower interest rate.\nHaving great credit can also help you qualify for discounts on auto and homeowners insurance, avoid deposit requirements on utility accounts, or even get into the job or apartment you want.\nIn other words, having a good credit score is key to achieving your financial goals, both now and in the long run. END