The ultimate guide to credit scores

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    A bill

    ( Questions from readers keep pouring in and they almost all boil down to the same things:

    • How do I improve my credit scores?
    • What effect will this action have on my credit scores?

    They can both be tough questions to answer. After all, credit scores are calculated using lots of different factors and everyone's report -- and the scores that result -- are individual. But there are also common misconceptions that, if dispelled, can stop someone from spinning their wheels, or worse, doing more damage.