Although you might think you only need to fix your credit report by talking to Equifax or one of the bureaus, you’ ll have the best luck if you also contact the creditor. Generally, you’ ll want to speak to the billing department because they are t…

Another element to watch out for is the amount of utilization you have on your existing accounts. The old adage that banks only lend money to people who don’ t need it is pretty much true. Opinions vary, but having your total utilization (total debt …

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