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Thanks for the advice on credit repair on this excellent site. A few things i would tell people should be to give up the particular mentality that they buy today and fork out later. As a society all of us tend to try this for many things. This includes trips, furniture, as well as items we'd like. However, you have to separate one's wants out of the needs. If you are working to improve your credit rating score you really have to make some trade-offs. For example you are able to shop online to save cash or you can go to second hand stores instead of high-priced department stores to get clothing.