A recent study found that nearly all Americans live paycheck to paycheck.  This means that if just one bad thing happens in your life then you can find yourself unable to pay your bills.  Being unable to pay your bills, as we all know, can lead to poor credit, repossessions, and in some cases lawsuits.

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Building your credit score means using credit.  If you want to have a great credit score and get the best rate on an auto loan or a mortgage you are going to need to show that you have a history or paying your bills on time and not over-extending yourself.  One great way to do

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