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debt-free living

Using prepaid credit cards for future solidity

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Positioning yourself for a home loan can be a detailed, tedious process that usually begins long before you attend open house viewings or start comparing paint swatches. First-time home buyers usually secure loans underwritten by a bank. Financial institutions require you to have a solid credit rating, so establishing yourself financially is the most important step there is in preparing for mortgage responsibilities. A negative or unstable credit history can drastically reduce a person’s chances of getting approval from a financial institution for a major purchase…

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