The holiday season can be an expensive time and many people turn to their credit cards as a source of finance. Doing so without a thorough assessment could bring problems.
One of the first things to do is to use a free credit score service and assess financial health. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. Doing this helps to identify any problems, such as failures to make timely repayments. These can be addressed as necessary so there are no problems when holiday shopping. It is important to take stock of all available credit cards, check the credit and attempt to get all the accounts into good standing. Paying off outstanding debt will bring down debt-utilization ratios, helping borrowers to
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