So your credit rating isn’t as good as it used to be – nobody’s is. But now more than ever, your credit score can make you or break you. Having a low credit score can prevent your from buying a house, reliable car, a cell phone, or getting a good job and severely alters the rate you pay on loans or your ability to earn money.

There are several things you can do to have as high of a score as possible including removing inaccuracies, having good account standing, eliminating charge offs, lates, defaults, and collections by negotiating and satisfying debts.

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