Free Credit Report Scams

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Your credit score will likely be hurt if the amount of debt you owe is close to your credit limit. According to one rule of thumb, creditors may be hesitant to lend you money if your debts are more than 75% of your credit limit. So, make sure you know how much you owe on your credit cards and other debt. If you can, pay off your full credit card balance every month. If you can’t, try to keep a low balance and pay down as much as you can.