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-- you credit scores arguably one of the most important pieces of information.
In your financial life but in the struggling economy many Americans are seeing -- take a dive.
So how do you boost your ratings without going into debt to do it let's -- personal financial expert and author of.
-- to for leadership.
Dave Ramsey -- gave.
A good morning pay -- first off it's not over when it comes to my credit score look at I do.
Well I think the thing you need to remember is you don't want to worship at the altar of the great fight -- so many people spent a lot of time just trying to build their credit score.
When really it's completely based on death we've got a couple in new scores hitting the market right now that's checking things like utilities and -- your cell phone bill that kind of a thing.
-- bureau -- Experian and and one called core logic so.
Just be about the business of doing your job which is paying your bills on time and then you don't have to sweat the small stuff on this and -- were written budget that I'll help you pay your bills on time and you can receive manual underwriting on a home loan if you're making.
You're making timely payments on your bills let's go to our first email -- Jake from Texas -- system -- -- a thirty year mortgage.
At a rate of seven point 25 -- first -- even say it -- -- eager to refinance however I'm self employed owning two businesses they started.
Three years ago our income is climbing every year -- don't have enough.
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