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In order to repair your credit, you need to get yourself out of debt first. The only way to do that is to pay off all your credit card and loan debts, so you need to make some cutbacks. Perhaps you can resolve to eat at home more often and stay in on the weekends. It can be hard to eat in all the time, but it saves so much money. If you really want to be able to repair credit problems, you'll have to reduce spending somehow, and this is a good way to do it.
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