 
 <translate> People who have no criminal or police record, are considered good citizens. When people frequently use credit cards, they have good credit score. People can get loan with a great interest rate with good credit score. So the final answer is good credit. <ibo> A na-ele ndị na-enweghị ndekọ mpụ ma ọ bụ nke ndị uweojii anya dị ka ezigbo ụmụ amaala. Mgbe ndị mmadụ na-eji kaadị e ji azụrụ ihe n'aka eme ihe ugboro ugboro, ha na-enwe akara akwụmụgwọ dị mma. Ndị mmadụ nwere ike inweta ego n'ụgwọ dị oke ọnụ ma ha nwee ezigbo akara kredit. Ya mere, azịza ikpeazụ bụ ezigbo otuto. 