November 17, 2006, Newsletter Issue #36: First steps to rebuilding credit

Tip of the Week

A lot of consumers feel they need to improve their credit scores. Some have made too many late payments; others have defaulted on loans. Maybe you've been good about payments, but you have too many credit cards and too much debt. How you manage your debt directly affects your credit score and your ability to borrow in the future.

The first step to ensuring you have the credit score lenders look for is to know your credit score. Every consumer has a credit score.

Is your credit score lower than it needs to be? Find out your credit score from one or all of the three credit reporting agencies. Once you have your credit score and understand how it is calculated, you can then develop a plan for rebuilding it.

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