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Once old, unpaid bills go into collections, they can cause major damage to your credit. There are many good resources for learning more about what you can do to repair and protect your credit scores, including MyFICO.com's Credit Education Center, the FTC's Credit & Loans page, and What's My Score, a financial literacy program run by my employer, Visa Inc., which also features a free FICO® Score Estimator that can help you approximate your score. And check access free credit report Lubbock out my previous blog, Understanding Credit Scores.

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