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  踏上财务自由之旅往往始于获得信贷。 信用申请在获得贷款、信用卡和其他金融工具方面是至关重要的,这些工具使你能够实现你的财务目标。 在本指南中,我们将通过探索信贷申请之旅和所涉及的关键步骤来引导财务自由之路。 **1. 了解信贷 在你开始你的信用申请之旅之前,了解什么是信用以及它是如何工作的是很重要的: *信用:信用本质上是借来的钱,你可以用来购买或支付费用。 这是一个金融工具,允许您访问您手头没有的资金。 *信用评分:您的信用评分是您信誉的数字表示。 贷款人用它来评估贷款给你的风险。 您的信用评分越高,您可以获得的优惠条款就越多。 **2. 信贷申请类别 有各种类型的信贷申请,每个服务不同的目的:…