What is a charge-off?
A charge-off means that a creditor has closed an account, but the debt isn’t gone. See how this can negatively affect your credit score.
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Does applying for a credit card hurt your credit?
Applying for a new card can lower your credit score by a few points but could help your credit mix and utilization.
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How to Build Credit
See our list of 8 ways to build credit, no matter your credit history or score, including secured cards, rent reporting services and more.
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Can a lower credit limit hurt your credit score?
When your credit limit is lowered, your credit utilization ratio goes up and your credit score generally goes down.
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