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User Profile For klaxmo  
As a personal credit evangelist I live for seeing people enhance their livelihoods by managing their money better, and by that I don’t just mean the money they make through the job, but money they spend, how much they pay for things and so forth.
Financial services such as personal loans and credit cards can influence your livelihood, with these it’s the credit rating which determines how much you pay, people with bad credit history tend to pay more by way of higher interest rates. So the goal is that people know about the effects of bad credit and do what they can to avoid it.
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