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Steps everyone can take to help improve their credit score bring any past due accounts current pay off any collections charge offs or public record items such as tax liens and judgments reduce balances on revolving accounts apply for credit only when necessary. Get a copy of your credit report the first thing you need to do is get a copy of your credit report from all three. Identify the negative accounts now that you have your credit report go through it and highlight accounts with a. Boost credit score 100 points
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