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A credit score or credit rating is an approach credit history report free Houston that companies can use to determine the adequacy of loan applicant's credit ... The most obvious that the scores of the debt and credit are linked is when the consumer does not pay on time ... If the letter is more than 60 days late, is likely to be reported to credit bureaus and ultimately affect your credit score ... Your credit score is based on many factors, one of the most important is the debt to income ...

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