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Establishing/Re-establishing Personal Credit:
Apply for credit with a local retailer such as a department store Adhere to all creditors' repayment terms. If you can't, negotiate and make timely partial payments on all obligations Apply for one of the "deposit secured" credit card programs to demonstrate your ability to meet new revolving obligations Apply for a small loan at a bank or credit union where you have checking and savings account Beware Of "Quick Fixes"
There are no "easy answers" for those who want to remove ”less than flattering," but accurate, blemishes! We would also counsel you to be very skeptical about anyone purporting to offer so called instant "credit cleansing" services.
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