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Take CHARGE of your credit with basic and easy-to-understand steps. Credit is essential to financial stability and your way of living. Even some jobs require a personal credit check. If you have a poor credit history, you may not qualify for certain positions, and an apartment lease application can be denied or require you to pay a higher security deposit and pay higher interest rates on loans.
 
Unfortunately, it’s easy to hurt your credit score. Something as simple as being late on a loan payment can do serious damage to your score. If your actions have lowered your score, you’re not alone. Millions of people have experienced the same thing. This guide will help you create discipline and ideas to change your behavior.