8 Smart Ways to Improve Your Bad Credit Score

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Seek help from your creditors

For example, if you have just one late payment with extenuating circumstances – it should ask for the payment to be forgiven, especially if your payment history is otherwise strong with that creditor.

Creditors may also be willing to change your payment due dates to something that better works with your schedule, minimize your payment, or even give you an interest-rate break for a limited time.

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