That could affect your rating anywhere from 20 to 60 points. And that in turn, could affect if you get a 6 percent mortgage or a 5 percent mortgage.

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One of Toro's largest end markets -- golf -- appears to be poised for a long-awaited rebound. The residential piece of the market is gearing up for strong promotional activity, which bodes well for the fiscal second quarter.

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Even if you're smart enough to close them down, the credit score will be damaged if you do more than two or three, and most people do.

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