. Because you are most likely going to need a mortgage, the state of your credit history can make a huge difference to what kind of interest rate that you can procure. Your credit history is affected... as will having maxed out credit cards. Having a large amount of debt will also drag down your score, even if you make all the payments on time. A good place to start is by ordering a copy of your credit history so that you can see what sort of state it is in. To improve your credit score, it is a good idea
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