Average APRs have inched down slightly, but you should focus on lowering your credit card balance as soon as you can.

Average APRs have inched down slightly, but you should focus on lowering your credit card balance as soon as you can.

But for all intents and purposes, a bad credit score is technically defined as anything below 580, according to FICO, the credit score used most by lenders to determine creditworthiness. There’s no ...

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