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Your credit utilization, or how much of your credit you use, makes up 30% of your credit score. Let us show you how by coming up with a personalized game plan. Every time you apply for new credit this shows up as an inquiry, which makes up 10% of your score, and can cause it to go down. Your credit score will help you know where you’re at and your report card summary will help you know what you need to improve.

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Although some sites advertise that they allow you to get your credit report for free, the only legitimate sites for doing so are Annual Credit Report.com, as well as Experian, Trans Union, and Equifax’s websites.Other examples of soft inquiries include an employer pulling your score, or a lender sending you preapproved credit card offers.



Thus, you’re judging him not merely for your feelings towards him, but rather his consistent efforts to call you and see you over the course of a month. How many of those same men prove to do it over and over and over again for 4-6 weeks? An easier way to look at this is that you have MUCH more information about a person after, say, 7-8 dates than you do after 2-3 dates.… continue reading »


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He comments on the weather, conditions, and deserters from both Union and Confederate forces. Topics include a detailed account of the Battle of Boydton Plank Road, troop movements, skirmishes, constructing breastworks, and the bravery of the United States Colored Troops.… continue reading »


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