Repairing your credit isn't something you can do overnight, but the best way to fix it is to slowly raise it back up. Prepaid credit cards make for a simple way to build up your credit, because there's no risk of late payments or over drafting which can cause negative marks on your score. Doing this shows lenders that you can be trusted with credit.
If a company or collector threatens you, take a record of it because it is illegal. As a consumer, you are protected by certain laws, and you need
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