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Chapter 3. A Blueprint for Financial Balance > Credit Card Reports and Ratings

Credit Card Reports and Ratings

Your credit history begins the moment you obtain approval on your first application. Perhaps it was your first car loan or credit card, or maybe a school loan.

The best way to obtain and keep a good credit rating is to pay back the money you owe on time. When you make late payments or fail to pay something back, the credit card bureau labels you as a credit risk. The fact that you are a risk will rear its head each time you attempt to get a credit card, borrow money, purchase a car, or get a mortgage.


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