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Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days. A quick
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There may be many reasons why you have a bad credit report. You may be young and have never used any credit yet. You may have just come out of bankruptcy and because you are too scared to repeat your past mistakes, you start paying for everything in cash. This is not a good idea
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