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How can people have great credit scores? It seems if you don't you never will again!

It would really help all of us who are not rich enough to buy a car or things we really need but can't buy with cash if we could put why our score is low example (I lost my Job that's why I couldn't pay my bills!)

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As was shown on 60 Minutes, all 3 Credit Agencies are incompetent and literally have NO process for correcting mistakes, they just string you along and do nothing (when you submit documents to correct your record, they just throw them away!). However, my credit score increased over the last 10 years because (a) I paid all my bills in full and on time, and (b) I was lucky enough not to have wrong information entered on my credit record.

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you need to build credit by paying off bills on time. you can apply for a credit card, use it to buy small things and pay them off before you have to pay any interest.

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The sad reality of creditors is that they don't care why you didn't pay, only that you didn't pay. You can rebuild credit scores quickly by paying down high interest debt, closing as many charge accounts as possible, and paying on time with more than minimum payments.

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Never close accounts. Cut up the card and don't use it if you want but closing the accounts lowers the credit utilization part of your score
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Its really funny I have no credit cards and a bad score! There are other reasons why my score sucks!
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Boo: not sure where you're getting you're info, but in my situation, my wife had opened dozens at stores we never used to save on purchases. By closing them we did raise our score.
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