Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. kupicoo / Getty Images Building your credit is ...

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You might assume that the best way to fix your low credit score is to hire a credit repair company -- but you'd be wrong. These companies will charge you a fee to make the same moves you can make ...

Building your credit is already a long-term process. Repairing bad credit after your score has taken a hit, whether you’ve missed a single payment or declared bankruptcy, can seem even more daunting.