Improving credit history and raising score is not a simple task. It requires much time and effort from the borrower. You know, negative information can stay in your credit report even for seven or ten (in case of bankrupcy) years. However there are still several ways to fix your credit. First of all, and the most important - make all the payments exactly on time. Try to keep the balance of your card as low as possible (high debts are extremely damaging). Check your credit report for mistakes or inaccuracies and if there are any, contact the credit agency to correct them immediately. Open new credit accounts only if you need them, try to limit their amount. If you observe all these recommendations in time you'll have the opportunity to apply for the best credit cards
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