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    How Long Does Information Stay on Credit Reports?
    If you are concerned how long any negative information will remain on your credit report, it takes seven years from the Date of the Last Activity (DLA) before the item is deleted from your records (and seven to 10 y...
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    Debt and Your Credit Score
    A good credit score can help you save money over time. Higher credit scores often mean lower interest rates on loans or credit cards, which will help you pay off your debt faster. A credit score can also play a pivotal role w...
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    5 Tips for Developing Good Credit Habits
     The credit system can seem like somewhat of a game. You have to have good credit in order to obtain a loan, a credit card, an apartment, and sometimes even a job. But it can be hard to build good credit if you don&rsquo...
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    6 Ways to Raise Your Credit Score
    The average American's FICO score is at an all-time high of 695. Fewer people than ever (12.5 percent) are below a 550 credit score, and 19.9 percent of Americans are now over an 800 credit score. This trend from poor credit ...
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    How Debt Affects Your Credit Score
    Debt, especially credit card-related debt, continues to plague most Americans, threatening to lower their credit scores. Credit scores, often known as FICO scores, are broken down into five factors. Payment history makes up ...
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    Guest Post: How to Improve Your Credit Score
    We all know how important it is to have good credit. Without it, making larger purchases often have to be done on a cash basis or with inordinately high finance rates. And that can put anyone in a difficult position, leaving...
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    Guest Post: How Do Payday Loans Affect Your Credit Score?
    Guest Post by The financial realities of living in modern America just don’t quite add up for an ever-increasing percentage of the population. Among America’s working poor—folks in financia...
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    What Bills Can Hurt Your Credit Score
    Like clockwork, bills roll in through the mailbox and inbox and make their dent in your wallet. We pay these bills every month, but do we know which ones can help or hurt our credit? A recent survey conducted by TransUnion s...
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    6 Ways a Bad Credit Score Can Hurt You
    Your credit score dictates a lot more of your life than you may realize. Large purchases like homes and cars are obvious, but what about higher security deposits, cell phone contracts, and getting approved for an apartment? ...
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    Hard Inquiries vs. Soft Inquiries
    We hear about hard and soft inquiries all the time, but do we really know the difference? Does a soft inquiry count against you? How long does it take an inquiry to be removed? Does it really make that big of a difference? I...

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