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Its an all-too-common story: A loved one comes to you in need, asking you to co-sign on a credit card. Trusting they can handle the responsibility, you sign on the dotted line -- only to get burned when he or she suddenly stops paying the bill. The good news, consumer spending analyst Hitha Herzog says, is that you can bounce back. There are ways to build that credit score back up, she promises. In the above #OWNSHOWvideo, she outlines three steps to take that will help you repair the damage.