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Many people already understand the basics of credit and the effect a good credit score can have on your ability to accomplish certain things. It would be amazing if everyone could afford to buy all they need with cash in hand, but the modern world just does not work that way for most.

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Whether you have medical bills piling high or credit card debt you can’t seem to repay, it can lead to significant financial struggles. You may want a way out to find relief, which can make bankruptcy a consideration. Before filing for bankruptcy, it’s essential to explore whether debt consolidation is a better option.

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