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Each day in American society, we, as glorified American consumers, want to buy cars, homes, furniture, stereos, obtain a credit card for purchases, get a gas card, and shop at department stores on credit. It is important, then, to have sufficient credit to do this. Creditors will view your credit history before ever offering you credit and the results of your credit history are the major factor in the decision to offer you credit. Companies look at several factors when making the determination to extend an offer of credit to you. Your credit is the key to getting those big ticket items that you simply do not have sufficient funding in cash. In order to manage your credit, you need to take a look at it and see where it is, what your credit score is, and how you can repair any negative items on your credit report.

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