The very first step in the credit repair process is to find out how bad your scores are. This is easily done by getting a copy of your credit report. In order to get your scores you will actually have to buy a copy as most free copies you can get only show you accounts and activity, not your actual scores. When you find out how low your scores are, you need to look at the reasons why. This will be shown on your credit report. Chances are you have many late payments and accounts that are at or near the limit. There are other reasons but these are the most common so let’s look a little bit at fixing this problem.
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