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Articles about or concerning Credit Tips, Improving Credit Scores, Credit Agencies, Credit Building Tips, Credit Repair, Credit Agencies, and anything related to offering advice on Credit.
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Airline Miles Credit Card - 3 Tips to Maximize Your Benefits

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 Aubrey Clark (September 21, 2008)  Airline Miles Credit Card - How, When and Why? Airline miles credit cards and other cards that offer reward bonuses are becoming more popular for consumers nowadays, since mortgage equity loans have dried up.  Air miles rewards cards are a great way to save money on vacations and business travel. However, with every winner there is a loser. The credit card companies have to pay for the . (Credit Tips)

What is New Credit Filed?

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 Tony Banks (September 20, 2008)  You might have seen or heard so-called businesses advertising the ability to give you a new or clean credit rating. This is also known as file segregation. These businesses charge non suspecting people a fee and have them apply for either a TIN(Tax payer Identification Number) or EIN (Employer Identification Number). They are then instructed to use this number when applying for credit, . (Credit Tips)

The Nature of Student Credit Cards

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 Tom Tessin (September 20, 2008)  College goers may make the most of student credit cards, as they get an opportunity to build their credit history through them. Collegians need to understand well the functionality of such credit cards. These credit cards put you in a better position to manage your personal finances. If you do not know how to use such cards, you may attract bad debt to your name. It is advisable you, as . (Credit Tips)

Students Rights With a Credit Card

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 Tom Tessin (September 20, 2008)  When students apply for credit cards and sign on the contract, credit card issuers assume that they have gone through every detail. Even though majority of the authority rests with the issuers, you need to understand your basic rights over the use of student credit cards. Fair Credit Billing Act bestows certain rights on students. While exercising such rights, students need to ensure .. (Credit Tips)

Terry's Path to Credit Repair

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 Ruth Campbell (September 20, 2008)  I'm going to tell you the story of a friend of mine named Terry. Terry is a single woman supporting herself and in a professional job. She's smart, honest and responsible. So how can she be the object of a credit repair case study? Because financial problems can happen to anyone. All it takes is an illness, a lost job, an accident or an unexpected financial problem and a lack of .. (Credit Tips)

How Credit Kits Can Help

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 Melanie Ullman (September 19, 2008)  When it comes to credit repair, it can be a daunting task for consumers to try and restore their credit reports to what they once were before any negative information had appeared. Fortunately, with numerous credit kits available to the public, it's not that difficult to start fixing and improving your credit history with the tools that these credit kits provide. There's no reason why .. (Credit Tips)

Everyone Needs to Learn How to Manage and Build Credit Early

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 Melanie Ullman (September 19, 2008)  Nowadays it should really be a requirement for high school students to take some sort of class that will teach them how to manage and build credit. Because many young people reach adulthood without a decent understanding of how loans, credit cards, and interests rates work, making these topics a part of a required high school course will better prepare today's youth for making smart .. (Credit Tips)

Save Your Money by Raising Your Credit Score and Enjoy Low Loan Rates

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 Ishir Pro (September 18, 2008)  Raising your credit score can save you a lot of money. Your credit score plays an important role in your lending process as this is the number that the credit union brings into play to determine whether or not to extend credit to you, and also the interest rate and terms of the credit or loan. A lower credit score would likely be responsible in deteriorating your chances of being .. (Credit Tips)

How to Improve a Poor Credit to Get a Loan

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 Tony Banks (September 18, 2008)  Being able to qualify for any kind of loan is pretty tough with poor credit. Credit is the factor that lenders use to determine if you are going to repay the loan so having poor credit does not help. But don't worry, there is a way to clean up your credit report to qualify for a loan. The first step is to get a copy of your credit report from the main credit bureaus so that you can .. (Credit Tips)

Bank Loans For Bad Credit

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 Adam Morris (September 17, 2008)  Money makes the world go round and at times we find ourselves with no money and the world is still spinning- like your head! Trying to figure out how you're going to pay the bills. Banks are the obvious place to turn but as Bob Hope said “A bank is a place that will lend you money if you can prove that you don't need it". . . . . so true. You credit rating can be tarnished .. (Credit Tips)

The Best Credit Cards to Save on Christmas Shopping

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 Stephen Sikes (September 16, 2008)  It's not that far away. I'm talking about the holidays. Just a few months and you will be expected to have all those presents wrapped and under the tree. But with the tough economic times you have been dealing with this year, where are you going to get the money to do all the shopping you need to get done for the holidays? Think credit cards. While you may instantly have had an image .. (Credit Tips)

Paying Fees on Credit Card Transfers

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 Michael Benifez (September 15, 2008)  Debt, credit cards, and interest rates seem to be a major topic of the time as fees for just about everything continue to climb. While it is difficult to get ahead when your paycheck is going to only stretch so far, there are a few things you can learn about managing your debts, payments, and how you can use balance transfer cards for your own benefits. Playing the credit card game The . (Credit Tips)

Females Are a Greater Credit Risk Than Males

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 Eric Jilson (September 15, 2008)  Though times have changed, there's still a prevailing sentiment when it comes to finances that young women don't need to be armed with the tools necessary to look after their finances. Despite the fact that less and less people are getting married, and of those more and more are getting divorced, it still persists that women will eventually be living as a couple at which point the man .. (Credit Tips)

Can I Delete a Charge Off From My Credit Report?

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 Tony Banks (September 15, 2008)  It is a little known fact but it is very possible to delete charge-offs from your credit report. It does depend on a few factors, which I am going to discuss in this article. First of all, the age of the collection account will determine how to have it deleted from your credit report. If the collection account is fairly recent and the collection company is calling you, the approach you . (Credit Tips)

Is Repairing My Credit After Bankruptcy Possible?

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 Tony Banks (September 15, 2008)  A bankruptcy is one of those financial decisions that becomes a last resort. It represents a point in time and nothing more! A point when situations were not the best but the question is. . . Are you going to let it determine the rest of your life? I hope your answer is “no". If so read on, you can begin the process of repairing your credit after a bankruptcy, as a matter of fact .. (Credit Tips)

How to Fix My Credit on My Own - Self-Help Credit Repair Tips

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 Tony Banks (September 15, 2008)  Fixing your credit without the help of any 3rd party is not only a possibility but has been a reality for thousands of people with blemished credit. You can repair and rebuild your own credit rating and score. For those people that go the route of hiring a credit repair company, they need to understand that they should be in it for the long haul and not expect results after the first .. (Credit Tips)

Jax Federal Credit Union - Are They the Top Credit Union Around?

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 William Perry (September 15, 2008)  How does the Jax federal credit union compare to the other credit unions out there? First off, here are some quick things you should be aware of when it comes to credit unions in general, which will help you see if you want to go with one of these organizations versus the traditional bank. A credit union is a private company very much run by the members, who vote on many of the .. (Credit Tips)

Credit Reports Online Are Free, Easy and Quick!

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 Melanie Ullman (September 15, 2008)  Now that you can easily get a hold of credit reports online, there's no reason why you shouldn't know exactly what your credit score is and what your credit history looks like. All it takes is a minutes of your time to register and before you know it you'll be looking at exactly what you're creditors see when deciding whether or not to give you credit and what you're interest rate .. (Credit Tips)

Is 700 a Good Credit Score Even Though It's Below the National Average?

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 Melanie Ullman (September 14, 2008)  A lot of times people will ask me, “Is 700 a good credit score?" to which I reply with a simple “yes. " Although it's a good score, it's also about 30 points less than the nation average which is between 725 and 730, with 850 being the highest possible credit score. Instead of asking, “Is 700 a good credit score?" you really should be asking yourself what you can do .. (Credit Tips)

What is Considered a Good Credit Score and is it Important?

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 Melanie Ullman (September 14, 2008)  What is considered a good credit score today isn't necessarily what was considered a good score a few years ago, or what will be considered a good score a few years from today. Credit scores are very dynamic. They fluctuate from month to month, and over time the way credit scores are calculated also changes, and it's a good idea to be on top of these changes and understand them when .. (Credit Tips)

Lay Your Dispute on the Bureau in Full Force

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 Caden Flynn (September 09, 2008)  You share the same goal that so many others do at this point, get that credit score raised. Doing so can open up a world of better loans with lower interest rates, as well as cheaper insurance costs that is otherwise closed off to you. You've obtained your credit report already, which was a great first step. You disseminated the information and disputed some of the findings in the hopes . (Credit Tips)

How to Improve Your Credit Score Now

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 Richard Pfaeltzer (September 09, 2008)  Having a good credit score is crucial to any financial transaction you make, and could even cost you the opportunity of a good job. Here's how you can improve your credit score so you're never turned down for a mortgage or passed over for a great career opportunity because of a bad credit score. Your credit score is determined by such factors as how much money you owe, your payment .. (Credit Tips)

How to Correct Errors in Your Personal Credit Report

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 Richard Pfaeltzer (September 09, 2008)  It's extremely important to keep an eye on your personal credit report. You'd be surprised how often errors appear on your credit report that can negatively affect your credit score. And that can negatively affect your financial future. Here's how to correct errors in your credit report if you find them. You should periodically get a copy of your credit report and study it. You should . (Credit Tips)

Shell Gas Credit Cards - How Much Can You Really Save With Shell Gas Cards?

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 William Perry (September 09, 2008)  How do shell gas credit cards stack up to their competition? Quite simply, gas credit cards are becoming more and more widely used seemingly everyday, as gas prices continue to soar. Shell is just one of the many companies that offers gas cards in an attempt to get more customers, so here is a review of how they measure up to the others. First of all, make sure you understand the .. (Credit Tips)

5 Credit Fixing Secrets to Transforming Your Credit Score

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 Alex Navas (September 08, 2008)  With a little bit of real, proven information, credit fixing is extremely easy and doable even to those without much knowledge about credit scoring. As a matter of fact, it only takes about 30 minutes a month to do a few minor steps that will dramatically boost your credit score and give you the credit that you truly deserve. Although these 5 credit fixing secrets may be common .. (Credit Tips)

Credit Repair After Foreclosure - Don't Go it Alone

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 Ann Born (September 08, 2008)  One of the most emotionally draining experiences a person can have is facing credit repair after foreclosure. If you had a difficult time financially and ended up losing your home, you certainly are not alone. A quick glance at the news on any given day will show you that foreclosures are up and happening all over the country. Just because this is the case, however, does not necessarily . (Credit Tips)

The Far Reaching Implications of Your Credit Score

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 Jon Arnold (September 08, 2008)  Do you really know the purpose of your credit score? Most people know they have a credit score and have some vague idea that it some kind of indicator about their credit but unfortunately that is where the knowledge stops with the vast majority of folks. For as important as your credit score is for a wide variety of things in your daily life, which extends far beyond just your ability .. (Credit Tips)

Do You Have Love-Hate Relationship With Your Credit Cards? 5 Steps to Power Over Your Credit Cards

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 Melanie Fine (September 07, 2008)  You know the feeling - You see that perfect thing you just have to have. Or you see the greatest sale in history at your favorite store! You think to yourself “Nope I don't have the money". But wait - I have my trusty old friend - my credit card. You pull it out of its snuggly safe place in your wallet. Wake it up and hand it to the cashier. You think “It won't ask me to .. (Credit Tips)

Your Credit Affects How Much You Pay For Insurance

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 Jim Gearhart (September 07, 2008)  Believe it or not, your credit affects a lot of different areas of your life. It obviously affects what kind of interest rate you will pay on a loan or if you can get credit at all. It may affect your ability to get a job and even how much you pay for insurance! Years ago, insurance actuaries came across some startling figures; people with bad credit are more likely to have insurance .. (Credit Tips)

Real Estate Short Sales and FICO Credit Scores

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 Peter Boston (September 07, 2008)  Real estate “short sale" is a new term of art that has entered the lexicon during what is considered the worst housing crisis in a generation. A real estate short sale means that a homeowner sells his house to a third party buyer for less than the amount of the mortgage that he owes on the property. For example, Sammy Seller owes a first mortgage of $300,000 to Thrifty Bank. .. (Credit Tips)

Why is Good Credit Important? Discover the Whole Truth About Your Credit Score & Your Future

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 Danny Fredricks (September 06, 2008)  In this article we are going to quickly cover the importance of a good credit rating. The simple truth is that for many people, while they RECOGNIZE that their credit score plays a big part in their lives, they don't have any TRUE idea of how far that influence extends. In my view, your credit score may in fact be the most important number in your life's overall happiness and well .. (Credit Tips)

Is Credit Repair Easy? Discover the Straight Scoop on Fixing Your Credit Fast

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 Danny Fredricks (September 06, 2008)  In this article we are going to take a quick look at the difficulty level of fixing your credit if it's taken a few hits. Lots of people who start down the financial restoration path want to know if credit repair is easy BEFORE they do. And I can certainly understand why - I mean. . . who wants to spend a huge amount of time on an impossible task, right? If you believe all of the .. (Credit Tips)

Can I Fix My Credit Myself? The Straight Skinny on Self Help Credit Repair

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 Danny Fredricks (September 06, 2008)  In this article we are going to look at whether or not you can fix your credit by yourself. One of the biggest myths about restoring your credit is that it's something that requires a professional hand or guidance to do - and it's simply NOT true. Now, that doesn't mean that someone who is more experienced or well informed about the process MIGHT be able to do a better job than you will . (Credit Tips)

How Long Does Credit Repair Take?

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 Danny Fredricks (September 06, 2008)  In this article we are going to look at how long it takes to complete the process of credit repair. Now, the most important thing to understand going in is that EVERY situation is going to be slightly different. There is NO boilerplate answer that covers each and every situation with the same degree of specificity. Why is this you ask? Because NO two credit files are the same, that's .. (Credit Tips)

Will Credit Repair Raise My FICO Score? Discover the Truth About Self Help Credit Repair

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 Danny Fredricks (September 06, 2008)  In this article we are going to take a quick look at EXACTLY what you should expect from the credit repair process. Should your credit score go UP, and if so. . . how much? Is there even a way to predict how much improvement you should expect? Let's take a look at some key questions many folks want to know BEFORE they begin the credit repair process! Read on below. . :-) The Straight .. (Credit Tips)

Is Credit Repair a Scam? 2 Proven Tips to Make Sure You Are Getting Legal Credit Repair Services

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 Danny Fredricks (September 06, 2008)  In this article we are going to tackle one of the biggest questions being asked by folks who need credit repair services. They want to know, in this time of need, with ALL of the hype and promises of fast fixes. . . . . "is credit repair a scam. . . or, can it REALLY be done?" Now, if you are reading this article because you need HELP, but are simply unsure as to what is true, I've not .. (Credit Tips)

Is Credit Repair Legal? How Can I Fix My Credit and Not Break the Law?

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 Danny Fredricks (September 06, 2008)  In this article we are going to take a look at the legality of credit repair. There is a tremendous amount of myth and misinformation around fixing your credit, and unfortunately, much of this is caused by the financial powerhouses that control MUCH of the industry! (and believe it or not. . . that LOBBY the financial media VERY effectively with wrong headed information) The simple .. (Credit Tips)

What is Credit Repair? 3 Proven Facts About Fixing Your Credit You Need to Know

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 Danny Fredricks (September 05, 2008)  In this article we are going to take a look at defining credit repair. What is credit repair REALLY anyway? With so much myth and misinformation out there regarding what you can and can not do to improve your financial standing, it's no wonder so many folks are constantly confused. Does this describe you? If so. . . continue reading as I shine a bright light on the process you'll need .. (Credit Tips)

Understanding Your Credit Report to Ensure Good Credit

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 E.S. Cromwell (September 04, 2008)  You can't be confused as a credit card user. Well, actually, you can be. But, it's not suggested. Staying complacent, being unknowledgeable and not wanting to be informed will only get you into horrible financial positions. You must understand how your credit works, how you use it and how it's recorded. Truly, it's all too valuable knowledge to not possess, especially for the recording .. (Credit Tips)

Re-Establishing Your Credit After Divorce

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 Tom Tessin (September 04, 2008)  Getting a divorce can be tough in many ways. Depending on the situation, you'll lose half of your belongings, you'll see your kids less, and let's face it; it will really change your life. After living with someone for so long or even a little bit, it can be hard to make a change. The last thing on your mind is probably your financial situation. Most people find it hard to focus on .. (Credit Tips)

How to Correct Credit Report Mistakes and Stop Credit Agencies From Ruining Your Good Name

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 Josh Ramos (September 04, 2008)  There's a simple lesson that my high school soccer coach once taught me about getting things done. He said that if you wanted to achieve something, whether improving your athletic ability or any other part of your life, you had to buckle down and get it done yourself. That doesn't mean that you should never ask for help, and, indeed, sometimes you can't do everything by yourself. His .. (Credit Tips)

Simple Tips For Great Credit - Easy Steps to Clean Your Credit Report

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 Tim Gorman (August 28, 2008)  Without question, the most important thing to having a clean credit report is the actual information that is contained in your report. This file contains all of your financial history in a detailed manner. Normally, this report carries a score with it ranking somewhere between 300 and 850 points. Nearly every lender or lending institution uses this score to determine if someone presents . (Credit Tips)

Poor Credit Loan - You've Been Lied To

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 Ryan J. Taylor (August 28, 2008)  Securing a poor credit loan is much easier than you ever believed, and you don't have to settle for second best. Imagine being able to walk into any lender and being able to call the shots. You can have the power to negotiate the interest rate and now you can approved for a home, auto or personal loan without jumping through hoops. Is it fair that some people are able to cut thousands .. (Credit Tips)

Tips That Will Raise Credit Score by 100 Points Ways to Improve Your Credit Score Naturally

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 Tim Gorman (August 27, 2008)  With many consumers continuing to hamper their ability to save money by falling deeper and deeper into debt due to relying on credit and overextending themselves learning how to raise their credit score by 100 points is becoming more important. Nationwide the average credit score is rapidly dropping and most lenders and loan providers are being forced to deny loan applications and .. (Credit Tips)

How a Secured Credit Card Works Help With Obtaining a Secured Credit Card

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 Tim Gorman (August 26, 2008)  For many consumers, an unexpected financial emergency can lead to damaged credit making it difficult for them to increase their credit score, obtain loans, a mortgage or even a credit card. A poor credit history can be difficult to live with, especially if lending agencies and potential creditors are reluctant to provide you an opportunity to re-establish your credit. Fortunately, there . (Credit Tips)

Frequently Asked Questions About Credit Card Debt

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 Cole Collins (August 25, 2008)  Throughout the country (and, increasingly, as lenders begin to open previously untapped foreign markets, the world), personal debt levels continue to skyrocket. The primary cause? Alongside the new availability of credit cards, there’s a growing acceptance of credit card debt as a way of life. Nevertheless, no matter how common the problem, it still creates stress and wreaks .. (Credit Tips)

Avoiding Further Damage to Your Credit Rating

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 Brendan Flushing (August 25, 2008)  Over recent months those with damaged credit have realised that life can become very difficult in terms of finances when your credit is blemished. This has become particularly apparent over recent months because lending conditions and criteria have been really tightened up by lenders in light of the global credit crunch, and those with bad credit have very little choice when it comes to . (Credit Tips)

Explore the Many Options to Raise Your Credit Score

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 Caden Flynn (August 25, 2008)  Working to rebuild your credit score is helped immensely when you know some of the deeper details and factors that go into determining that score. You're probably aware of the broad reasons for your score, but these further points may surprise you and help you get the great credit score you need much sooner. We also have some additional tips to help keep your accounts in good shape. .. (Credit Tips)

Best Student Credit Cards - Not All Credit Cards For Students Are Created Equal

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 William Perry (August 25, 2008)  What are the best student credit cards for you to use while in college? Finding the right cards during this time of your life is very important, as you probably don't have a lot of cash flow coming in. Finding the right one can be a challenge, as more and more companies are targeting this crowd, and for good reason. Students represent a huge percentage of the population, so credit card . (Credit Tips)

Is 700 a Good Credit Score Or Do You Need to Raise it Before Taking Out a Loan?

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 William Perry (August 19, 2008)  Many people want to know-is 700 a good credit score? The short answer is yes, it is. Generally speaking, a lower credit score will be between three hundred and seventy five and nine hundred, and seven hundred twenty is the average in the US. Therefore, 700 will net you a typical interest rate on a loan or mortgage. Obviously, it could certainly be higher if you were take certain steps .. (Credit Tips)




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