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A good credit report score helps people establish themselves in the financial circuit whereas a bad credit report score lands you in a situation that causes your credibility to suffer. A job loss or a sudden illness can spoil your credit rating devastatingly leaving you with an absolutely hopeless credit report score. Some creditors may let you extend your payments by a month or two, but your records will still show a delinquency. A stolen identity can also leave you feeling violated and unable to resume a normal life with credit.

 

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