Low income can potentially affect a person's credit score in several ways:
Difficulty paying bills: People with low income may have a harder time paying their bills on time, which can have a negative impact on their credit score. Payment history is one of the most important factors in credit scores, so even a few late payments can cause a credit score to drop.

Limited credit history: People with low income may have a harder time qualifying for credit, which can make it difficult to establish a credit history. A lack of credit history can make it harder to get approved for loans and credit cards, and can also have a negative impact on credit scores.

High credit utilization: People with low income may be more likely to rely on credit to make ends meet, which can lead to high balances on credit cards. High credit utilization, or the amount of credit you are using compared to your credit limits, can have a negative impact on credit scores.

Limited access to credit-building tools: People with low income may have less access to credit-building tools, such as secured credit cards or credit-builder loans, which can make it harder to improve their credit scores.

It's important to note that low income is just one factor that can affect a person's credit score, and there are steps that can be taken to improve credit even with limited resources. This may include paying bills on time, using credit responsibly, and disputing errors on credit reports. Improving credit can take time, but it can also have significant benefits in terms of financial stability and opportunities.

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