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Easy Ways to Improve Credit

If you have a family member who would be willing to add you to their credit card as an authorized user, it would help you build credit.

The credit cards report the use of the credit cards the same as if it were your own card.  If the card is paid on-time by the owner, you will received good items reported to your credit as well.    However, the converse is try as well.  If the card is being paid late, your credit would suffer.  Find someone who you trust will pay it on time.

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Credit Card Balances

You do not want your credit card balances to reach over 30% of your credit line.

If your credit card maximums are low, you may exceed the 30% threshold easily.

To resolve that issue, call your credit card company and ask them to increase your credit limit.  Simply increasing your credit limit will keep your card reporting favorably.

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Spouses

Most partners in a marriage have their own individual credit cards.

Assuming that both people are working on their credit, add your spouse to each others' credit card. You do not have to use each others' cards but you will get positive credit reporting on two credit lines assuming each of you pay the credit cards on time.  This is only helpful if both spouses are committed to paying on time.  Please keep in mind that if you are added as a joint debtor, you are jointly responsible for all charges.

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Everyday Items

Considering putting charges for items such as NetFlix, Spotify, and other

monthly charges on your credit card.  This will create small consistent charges

that you can pay easier.  If you elect to do make those charges

I highly recommend that you put the card on automatic payments

so that the payments will never be late.