Is credit repair a“ scam”? Not the credit repair companies that I am familiar with- their clients enroll, pay a fee and generally graduate the program with higher (usually high enough to qualify for a mortgage) credit scores. That would seem to disqual…

Another element to watch out for is the amount of utilization you have on your existing accounts. The old adage that banks only lend money to people who don’ t need it is pretty much true. Opinions vary, but having your total utilization (total debt di…

I found your post comments while searching Google. Very relevant especially as this is not an issue which a lot of peaople are conversant with….

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