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Television programming can be saturated in ads for credit-reporting providers. When coupled with the incidence of identity theft, consumers are more alert to these own credit ratings than before. Having said that, many of us do not fully know how these scores are derived, or moreover, how they could...

Obtaining bad credit can be an issue shared by 56 percent of all Americans, which means you’re not by yourself if you require some assistance adjusting your score. Poor credit will cost you extra money in the long term and can be a serious issue. Thankfully, there are methods...