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Bad credit, what does it do?
I got denied a loan because of my bad credit.
What's wrong jane?
What is affected?
What do I do Casey, I can't even get a job.
Well if you were approved for a loan they probably would have charged you a higher interest rate.
How do I fix it?
You could maintain reasonable amounts of available credit and apply for credit sparingly.
Gee, thanks, Casey you're an amazing friend.
Well first you could pay your bills on time.
Do not have too many of one type pf account, and check your credit report annually.
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