What are credit repair services — and are they worth the money? (

All the pros and cons of paying someone to fix your credit.Blemishes on your credit report, including late and missed payments, are no joke. They have a direct impact on your credit score, which can be the deciding factor as to whether you’re approved for a new credit card, as well as how much you’ll pay for insurance and your mortgage. Bottom line: If you’ve got problems or errors on your credit report, you need to resolve them as soon as possible. 

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