Finding out you have bad credit usually comes at the worst possible time. You might not even know how bad it is until you get denied a new credit card, cell phone, or car loan.

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When you check your credit reports, you may be surprised to find one or several negative accounts tarnishing your credit scores. Or maybe you’re not even sure how to interpret all of the information listed there!

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You don’t have to carry the burden of bad credit for the rest of your life.

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By utilizing our DIY credit resources, you'll learn what factors affect your credit score, plus strategies for fixing your credit.