It's fair to say that most Americans live in quiet fear of their credit score. That little number often decides whether you can buy a home, purchase a car, or even get a job. Landlords, banks, utilities, hospitals, and employers can all see your credit score, or at least the credit report and history from which your score is derived. Making this rather Big-Brother-ish dynamic even worse, Americans' credit histories are often capricious, irrational, and error-ridden. Thanks to the massive...

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