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j1972p

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can i have forgivenes to fix my credit
Like pardon everything and start new

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That does not exist in the credit world.  What is best is to get the bills paid/settled, and move forward from there.  The only "do over" is bankruptcy which hurts your credit for 10 years.  If you haven't already read the articles on this site, please do so, and also look at Dave Ramsey's site for additional information.  Such information should help you to develop a more mature, sensible attitude towards credit. Credit Karma sure helped me!!

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