The credit score is one of the most misunderstood items in personal finance. Most people do not know what makes up a credit score, much less what purpose they serve. All too often people fail to see that credit scores are one of the most destructive items to ever cripple their future financial progress. Getting out of debt is not going to hurt you but rather set you free from the clutches of banks and lenders. Society has told you that credit scores are a tool to mark success but this is a lie.
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