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Financial times have been hard. Record numbers of people have had credit problems including bankruptcy. Most people have issues trying to rebuild credit after having financial issues. The number one question people have when trying to recover from bad financial issues is how to improve credit rating scores. There are a number of simple steps that people can take to improve credit scores, without hiring outside agencies. There are five simple steps to help improve credit rating scores. I NEED TO BUY A TRADELINE, BUT I’M NOT SURE WHAT TO DO WITH IT Get Caught Up with Consolidations People often…