 TITLE: How Do You File an Amended Tax Return? CONTENT: How to Use Your Tax Return to Impact Your Credit Score\n------------------------------------------------------\nIf you're getting money back based on your original or amended tax return, you can use that refund to help boost your credit score. Make sure to prioritize catching up on any late bills first (payment history affects your credit score more than any other credit scoring factor). Then, put your refund to good use:\n*   **Pay off credit card debt.** If you use your return to put a dent in your credit card debt, you can reduce your credit utilization ratio, which reflects how much of your available credit you're using. Lower credit card balances typically help credit scores.\n*   **Pad your emergency fund.** Contributing to your personal emergency savings may not sound as exciting as a refund-sponsored shopping spree, but it can be a boon for your credit and finances in the future. Dedicating a savings account just for emergencies can help you dodge financial disasters in case of unexpected expenses such as a needed home repair or urgent medical procedure. END