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  2. System Mechanic Software | 30-Day Free* Trial | AOL Products

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  3. How to cancel a credit card without hurting your credit score

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    This may increase your credit utilization ratio, which can decrease your credit score. Here’s an example: You have five credit cards each with a $1,000 limit, making your total available credit ...

  4. Forget Paying for Credit Repair. Fix Your Own Credit for Free

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    If you need a fresh start with credit cards, a secured credit card-- a type of card that allows you to make a security deposit that will be equal to your credit limit -- can help you build a ...

  5. ‘No one has figured out how to hack the system’: This Texas ...

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    This aligns with Experian’s finding that the 1.54% of U.S. consumers with perfect credit scores tend to manage their credit by having lower credit-card balances and only using a small fraction ...

  6. Cut off? What to do if your credit card issuer lowered your limit

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    For example, if your credit card has a $1,000 limit and you currently owe $250, your credit utilization ratio would be at a safe 25 percent. But if the issuer halves your limit, that same debt ...

  7. Why Did My Credit Score Drop? 10 Common Reasons for a ... - AOL

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    Sometimes, a reduction in your credit score is beyond your control. Credit card issuers often reduce credit limits for customers who rarely use their cards or show too much existing debt on their ...

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