If you have ever gone through some
rough occasions with your finances, you may have ended up with damaged credit.
Failure to pay certain bills on time can adversely impact your scores, making a
bad situation even worse. Often occasions, those credit card offers you receive via the
mail can help repair the damage that might have been done to your
rating.
There are three major credit rating services. Experian,
TransUnion and Equifax are all separate businesses that track credit histories
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