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Other websites that claim to offer “free” services often come with strings attached, most of which are an initial free service that comes with a fee after the trial period. If you’re being asked to provide any payment information upon signing up for a “free” service, make sure you investigate further. The two trial-based services I recommended earlier (Identity Guard® and IdentityForce) are very upfront about the trial periods and don’t attempt mislead customers with tricky wordplay.
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06-01-2019, 05:19 AM
(This post was last modified: 06-01-2019, 05:19 AM by examplemallet.)
Creditors want to know your track record of paying off bills and debts. To show a good track record, open some credit accounts, pay on time, and try not to have a lot of debt. But beware: having too much credit—for example, having many credit cards—may hurt your credit score because creditors may look at your total debt potential.
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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.
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If you need help fixing your credit, contact a non-profit credit counseling service that can help you for little or no cost. You can also check with your employer, credit union, or housing authority to see what no-cost credit counseling programs may be available.