Jose Luis Pelaez / The Image Bank / Getty Your credit utilization, a ratio that compares your total debt to total credit, is the second biggest factor that affects your credit score.It’s 30% of your score. The higher your balances are, the more it hurts your credit score. Having maxed out credit cards costs precious credit score points (not to mention costly over-the-limit fees).

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GET AN 800 CREDIT SCORE IN 45 DAYS FOR 2019 You've almost certainly seen or heard pitches for "credit repair" services promising to clean up your credit problems, reduce your debt or even.

Another idea was introducing the use of animation videos on tablets – to explain different issues to people; for example, housing benefit, universal credit, repairs, wrap-around services, including an.

[Disclosure: and are both owned by the same company, Progrexion Holdings Inc. John C Heath, Attorney at Law, PC, d/b/a Lexington Law Firm is an independent law firm that uses Progrexion as a provider of business and administrative services.]

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The US Credit Repair Organizations Act ("CROA") is Title IV of the consumer credit protection act. Despite its name, it is not actually an act; section 401 states ,

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