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📈💳 Building credit from scratch? Here are 3 effective ways to get started! 💪1️⃣ Get a Secured Credit Card: A secured credit card is a great tool for establishing credit. With this type of card, you'll need to make a cash deposit as collateral, which becomes your credit limit. Use it responsibly, keeping your balance below 30% of the limit, and make timely payments to show lenders you're reliable.2️⃣ Become an Authorized User: Ask a close family member or friend with good credit to add you as
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