If you need a new mower, I would suggest "cash only" as Herler said! Work on your existing credit yourself IE: paying off bills etc. get copies of your credit report (from all 3 credit agencies) and go through them line by line and handle it accordingly! I say all 3 because 1 company may have a blemish that another one would not. And also keep in mind and I could be wrong on this so if I am please someone correct me, every time a creditor or bank or whatever checks your history, it actually drops your rating a bit! So the less people you have checking you out the better you are. Go cash for everything for now until you know you have excellent credit!
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