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Terrible credit score! :-(
Comments
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It does take time to repair your credit history. There are no short cuts.
Look at it from the lenders point of view. From the info you have given it appears that thee times you have signed credit agreements and then failed to stick to them. It is hardly surprising your credit files show you as high risk.
ZX81 has given good advice in the first post. Stick to that advice and your credit history will gradually improve. But it will take time.0
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