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maybe I can help you Missam, pm me. Now you mentioned something about filing....I hope it is NOT bankruptcy. If you didn't file before October 16th 2005, the type of bankrupcy that will be allowed will be based on your income.......
Whatever you do, don't go to those credit repair agencies, it's just like filing bankruptcy.
The mean score is 720 in America, if you aren't in the 700's you have average to below average credit, which simply means your rates may be higher because you are considered a higher risk.
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