Bad credit tips | Credit tips to improve my credit

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Will it hurt my credit score to close credit card accounts? Generally your score will not be affected UNLESS you close some accounts that still have balances. When you close an account that has a balance, it shows you have become frustrated and .... What about credit repair companies that charge to remove bad credit files? Do they work and do I know of a good one? Who are the 3 credit bureaus that keep my credit report and how do I contact them? Trans Union P.O. Box 1000 ...

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