Credit Repair: Pull Out of The Negative Trend
by Brad Morgan Warnings from those previously singed and scarred holders of negative credit ratings told you not to get a credit card, but those pre-approved credit cards kept slithering into your mailbox. Everyone should have a credit card for emergency use, you tell yourself. It just makes sense. You hang on to one or two of these offers, just in case you decide to get one. They tempt you with excellent terms %26ndash; no annual fee, a great APR for the first year, zero percent balance transfers
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