Having good credit is one of the most important financial components that you can possess. Not only does it offer potential lenders a favorable insight into how you handle your personal financial matters, it can also make your life considerably easier and much more convenient. Conversely, bad credit can do just the opposite and – depending upon its severity – can also ruin your financial state of affairs and keep you trapped in extremely untenable circumstances and situations. It's therefore critically important to build and manage your credit wisely and efficiently.

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