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At some time in our lives most if not all of us will require some form of credit. It does not matter whether it is for a mobile phone, a car, or a home. Few of us have the means to pay cash up front for what we want, and sometimes it is impossible not to have credit, telephone rentals for example. We need credit, and there are plenty of companies who are willing to provide it.

For most of us, obtaining credit might not be such a difficult thing. We turn 18, get a job, have regular income, take out a mobile phone on credit, get a credit card and so on, and pay our bills as and when they come in. Over time we improve our credit standing and virtually walk through life getting whatever credit we need.

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Nowadays this is a major issue. So much credit fraud giving some people a bad credit report through no fault of their own, as well as people getting into serious debt problems that these people need to be able to rebuild their credit somehow.
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