If you're looking to understand what bad credit is and what you can do to fix it, I recommend this article: https://creditfirminc.com/positive-versus-negative-credit/
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If you're looking to understand what bad credit is and what you can do to fix it, I recommend this article: https://creditfirminc.com/positive-versus-negative-credit/
Never too late to help someone, figured someone else might stumble on this post with the same question.I think your about 10 years too late