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Thanks for the tips on credit repair on this site. What I would tell people is usually to give up a mentality that they may buy at this point and pay out later. As a society we tend to make this happen for many factors. This includes vacation trips, furniture, as well as items we wish. However, you need to separate your current wants out of the needs. While you are working to improve your credit rating score you really have to make some sacrifices. For example you are able to shop online to economize or you can check out second hand suppliers instead of costly department stores with regard to clothing.