What should I do if I’ve been denied credit due to a low credit score?

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What is a credit score?
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Are there any scams or frauds associated with credit repair?
How long will it take for credit repair to be successful?
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Are there any “do-it-yourself” credit repair kits available?
What steps can I take to improve my credit score?
What types of debts can be removed from a credit report?
What are the laws governing credit repair?
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