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Very strong credit history with few credit problems.
Pay your bills on time, most of the time. Have no recent late payments.
Average Consumer falls in this category.
Usually pay your bills on time, but have a couple of late payments showing on your
credit report.
Most people with bad credit fall in this category.
Have a history of late payments that are consistently 60 days or more over due.
Few people fall in this category.
You have severely bad credit and a long history of late payments.
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