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It’s a painful fact that the worse your credit the fewer options available to you to improve your financial situation. Bad credit can prevent you from refinancing your high payment mortgage, or from obtaining a loan for a car, or from transferring high credit card balances to lower interest rate cards. You may have difficulty finding a landlord who is willing to rent to you without a co-signer or a high security deposit; utility companies may be reluctant to hook up your service. This workshop will show you how to obtain your credit report for free, how to read the report and how to improve your credit.