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Small Changes Make a Difference on Credit Reports

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Among the most important things you can do to get the best deal on a loan, a credit card, insurance and other financial products is to make sure your credit record is accurate and in its best possible shape. Why? Because even a modest improvement in your credit reports (your history of paying debts and other bills) and your credit scores (numerical ratings of your credit history used by companies in making business decisions) can improve the offer on a financial product you may want.