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If you’ve got a less-than-perfect credit history, it’s easy to believe that your options are limited. The reality, though, is that many of the fears people have about bad credit are based on misconceptions. Understanding these myths can help you make smarter decisions and put you back in control of your finances. You can’t get any credit or a mortgage with bad credit One of the biggest myths is that you’ll never be able to get credit again if you have a chequered financial past. While it’s true that some lenders are more cautious with people who have poor credit…