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One significant way to clean up bad credit is to make on-time payments consistently, according to MyFICO. A payment schedule or automated reminder tool helps. Checking a credit report to identify any errors and sources o... More »

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People in the U.S. can find out if they have bad credit by requesting a free credit report from a government authorized website such as AnnualCreditReport. The credit score is a separate service that charges a fee. More »

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Consumers with bad credit should order copies of credit reports, study them, and ask credit reporting companies to correct inaccurate information, advises the Federal Trade Commission. To improve their credit, consumers ... More »

www.reference.com Business & Finance Credit & Lending
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You can increase your credit score by paying your bills on time, keeping a relatively low balance on credit cards and having a longer credit history with multiple accounts, explains MyFICO. The amount of debt held relati... More »

www.reference.com Business & Finance Credit & Lending

A credit score is a way to measure a person’s credit risk based on factors from their credit history. The most common score used by businesses was developed by the Fair Isaac Company, and it is known as a FICO score. An ... More »

www.reference.com Business & Finance Credit & Lending

One way to get a personal or business credit card with bad credit is to apply for a secured credit card through a bank or credit card company, according to Bankrate.com. To obtain this type of credit card, the applicant ... More »

www.reference.com Business & Finance Credit & Lending

There is no legitimate way to fix bad credit quickly, and credit-repair companies that claim they can do so are likely scamming consumers, notes the Federal Trade Commission. Consumers who wish to repair their credit mus... More »

www.reference.com Business & Finance Credit & Lending