5 Steps Toward Credit Repair Improving your credit is essential because bad credit impacts your ability to take out a loan, obtain low interest rates on loans and credit cards, get good insurance rates, buy a house or rent an apartment, and in some instances, get a job. The good new is that bad credit is fixable. Sometimes, it might take debt consolidation or a credit counseling service , but often times self help is sufficient to repairing credit. OEIL PUBLIC
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