Timothy E. Lockhart - YOU HAVE OPTIONS: YOUR GUIDE TO AVOIDING FORECLOSURE

mortgage loan. • There are multiple sources where you can access your credit report. Study it to identify negative accounts, information you might want to challenge, and accounts you can pay down or pay off. • The best way to build credit is to use it responsibly over a long period. There is no better time to start adopting responsible habits toward spending and credit use.

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