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When you’re talking about credit, or essentially the level of trust potential lenders have that you’ll repay money you’ve borrowed, you could fall anywhere on a scale from having very bad credit, meaning no one will lend you any money, to outstanding credit, where banks and credit companies practically beg you to borrow.
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Bad credit means higher loan interest rates and higher insurance premiums and that all adds up over the years. Bad credit can hold you back from achieving major life goals like buying a house, going back to school, taking a dream vacation, or even retiring when you want. Fortunately, you aren’t necessarily saddled with bad credit for life.
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