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Personal Finance in Your 20s & 30s, 5E by Susan Shelly McGovern, Sarah Young Fisher

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CHAPTER4

Your Credit History, Report, and Score

In This Chapter

  • Why you need a credit history
  • Avoiding problems with credit and debt
  • Getting help for and fixing credit and debt problems
  • Understanding your credit report and score

Many people don’t realize their credit history is carefully documented in a credit report—which, by the way, usually contains some very personal and specific information.

So let’s start at the beginning and see exactly what a credit history is, how you build it, and what it’s used for. Then you’ll be able to understand why it’s so important and how it can affect many areas of your life.

Building Your Credit History ...

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