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If your score is below 640, it's time for concern. "According to a 2004 study by the Public Interest Research Groups, or PIRG, as many as 79% of credit reports have errors.
As you start dipping below about 640, you see this dramatic increase [in lending rates]. So with every 20 points - going to 620, 600 - you're ramping up aggressively.Cleaning The Credit Report CAN Save You Thousands Of Dollars EACH Year.
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