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A solid credit history and excellent FICO credit score – typically 750 or above -- are extremely valuable. A high credit score can save you tens of thousands of dollars in mortgage interest, lower your auto insurance premiums, and even help you land your next job. For all their importance, however, a lot of confusion surrounds credit reports and scores. To take some of the mystery out of these important financial tools, here are 9 facts about credit reports and scores that might surprise you.