REDIT and debt problems usually start small<br > and progress to more serious problems. More<br > often than not， the reason the problems get<br >vorse is because of poor cash management and not<br >ecognizing when debt problems are increasing. Ill<br >his step you will learn the importance of your credit<br >ating， causes of credit problems， how to identify your<br >redit and debt problems， and determine the severity<br >.f your current problem.<br >"he Importance of Your Credit Rating<br >tow important is your credit rating? This is a very<br >rnportant question， and the answer depends， in part，<br >，n your needs， values， and beliefs.<br >
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