Just had a thought as it's come up with some of my customers lately: Free Credi Report.
I have had several customers apply for credit in the past couple of weeks, and when I pull credit, there are Collections showing (Collections mean someone still owes someone money, which is not good....to say the least). Most of the time my customers aren't even aware there is any issue with their credit.
So that brings up a good habit to get into: 'spring cleaning' of your credit.
Once every twelve months you can obtain a free of charge credit report; simply go to www.annualcreditreport.com. This really is a must so you know where your credit stands and to identify any incorrect reporting--banks/creditors are not immune from errors. So make sure you check out your report on an annual basis, so you can leverage credit as a financial too and get the best/lowest rates available to you!! Save the pennies!!! ;-)
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