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Credit cards can have high interest rates and even higher penalty rates on missed or late payments, but managed well, they are one of the easiest ways to build a good credit standing..
How To Build Credit Without Going Into Debt
Another way to build credit without using debt is to pay your utilities on time. In the case that you are getting free rent from a friend or family, you can still put the utilities in your name and start making payments on time. An awesome service to use is for this is eCredable..
Effective Ways To Build Credit Without Going Into Debt
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