We know it can be hard to take that first step. But remember—even if you’re not up-to-speed on your credit history, others will be—decision-makers who can seriously impact your ability to move forward in life.

We can’t fix what we won’t face, so the first step towards rebuilding positive credit is to take a good, long look at your credit score and credit report, reminding yourself as you do that this is just where you’re starting from—not where you’re going.

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