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The app also shows you a personalized pie chart ... We picked Credit Karma as the best app for tracking your credit because it helps you stay on top of changes to your score and financial health.

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Want to discover the next Virgil van Dijk? The i Paper's Sam Cunningham attends a course to find out what it really takes to be a professional football scout these days ...

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One factor they consider is your credit score, a three-digit number calculated by analyzing your financial actions — such as debt and payment history, the age of your accounts and your credit mix.