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Credit Problems

Negative Marks On Your Credit Report

Missed payments
Late payments
Went to collections
Bankruptcy
Tax problems
Identity theft

YOU NEED CREDIT REPAIR

Few Negative Marks but a Low Score

Carrying high balances
Excessive credit inquiries
Excessive accounts

YOU NEED CREDIT GROOMING

Short or Recently Repaired Credit History

Just getting started
Just out of school
New immigrant
Recently Divorced/Widowed
Successfully Repaired Credit

YOU NEED TO BUILD CREDIT