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Whether you are applying for first-time credit or are deep in debt, this section is for you. Credit management means successfully managing your credit by paying your debt obligations on time for the amount required. Establishing good credit habits at the beginning of your credit-use life will help when you need to buy a home, apply for a car loan, start your own business and manage your finances.
Credit reports include information on where you live and work, how you pay bills and your legal and bankruptcy background. Companies can sell your information to creditors, insurers, employers and may other businesses who evaluate your background to establish credit, employment, insurance, etc.
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