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| yes ! i pay my bills on time. its just that my check might bounce , i have alot of credit applications , and might max out my cards. but thats all ! | |
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| That is alot you need to just manage your spending, pay your bills on time, and make sure you have sufficient funds. | |
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| Now lets talk about credit reports. | |
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| i dont know what credit reports are. | |
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| A credit report is a record of a consumer's use of credit and account payment patterns. | |
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| how do you get a credit report ?? | |
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