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Hey, I’m Janis Janis Urste Expert tips provider. Before you sign any debt settlement, research what effects it will have on your credit score. Some settlement agreements can actually be bad for your credit score, so be wary and do your homework. Some creditors have no concern over how your credit score can be affected by entering into certain agreements. These people just want your money.
Joining a credit union is a great way to build your credit if you are having a difficult time doing so elsewhere. Credit unions have opportunities that are better than other places and are usually local.