When you have bad credit, you want to do whatever you can to clean up your credit report as quickly as possible. You may want to buy a house in the near future, so you need to improve your credit score so that you can get a mortgage. If you are thinking about getting a…

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People are always amazed at inaccuracies on their credit reports but a surprisingly large number of people, including veterans, find mistakes. For this reason, it is very important to check your credit report regularly and make sure that everything on there is correct. You want to keep your scores accurate so that you receive the…

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Many people have experienced some kind of event in their lives that takes its toll on their credit scores. They might have a divorce, a health crisis, or a change in employment. The good news is that you can start rebuilding your credit pretty soon after you take a hit. You can also talk to…

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People often wonder, “Is credit repair worth it?” Credit repair can help your credit score if your credit report contains inaccurate information. However, credit repair cannot help with late payments or charged off accounts that are legitimately on your report. Even if you have other negative marks on your credit report, it can be worthwhile…

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Sometimes events happen in life that leave you with no choice but to declare bankruptcy. It might leave you worried that you will never have good credit again, but that is simply not the case. Chapter 7 Bankruptcy will eliminate your debt and give you a fresh start, but your credit score will fall to…

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When you have bad credit, or even bad marks on your credit report, it can be difficult to get the best interest rates for a mortgage or an auto loan. It can hurt your ability to rent a home, and it can impact your ability to get a job. Credit scores are calculated using a…

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