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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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Effects of credit cards and loan accounts can be positive. For example, retail charge cards can be a good way to establish or improve your credit. Because the card limits are generally low, you may pose little risk to the creditor. So, you may be approved with little or no credit history. Using these cards responsibly
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