Raising your credit score doesn't need to be difficult. Lowering your credit utilization can give it a serious boost. https://www.cnet.com/personal-finance/need-to-raise-your-credit-score-paying-off-debt-can-help/#ftag=CADf328eec
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The tax filing program is still available, but late filers might want to act quickly. https://www.cnet.com/personal-finance/taxes/the-irss-free-direct-file-may-be-dead-but-what-if-you-havent-filed-yet
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