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Rate Your Credit
(Most people have "Good" credit)
Excellent
Very strong credit history with few credit problems. Pay your bills on time, most of the time. Have no recent late payments.
Good
Average Consumer falls in this category. Usually pay your bills on time, but have a couple of late payments showing on your credit report.
Fair
(Under 600 Only) Most people with bad credit fall in this category. Have a history of late payments that are consistently 60 days or more over due.
Poor
If you think you have poor credit and/or significant credit problems there are still options available to you.
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