Bad credit ratings can be surprising and damaging — here’s how to fix them – ABC News

If you’ve ever had a credit check, it’s likely you found something on it that took you by surprise.
Key points:

• Finding out your credit score early can help you avoid future headaches
• You can build a credit score without a credit card
• Paying your mobile phone and utility bills on time can help contribute to a positive credit rating

Financial planner Jackson Millan told ABC Radio Sydney’s Focus program when people applied for significant loans to buy a home or car it often ended in tears.
“They’re…

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