financial problems, contact your creditors. They may be willing to work with you to resolve some issues. ; ; Seek out a reputable counselor: Working with a reputable credit counseling service will not hurt your credit score. Beware, though, of fly-by-night individuals who want to take your money in exchange for outrageous promises. POINTS TO REMEMBER: ; ; There are various organizations that provide credit ratings. An estimated 90% of lenders refer to the FICO credit score when deciding whether to approve you for a 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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