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Banks and credit unions understand it's not always easy to build credit when you're starting out with little credit history or negative marks on your credit report. Some offer credit builder loans, or passbook CD loans low risk loans designed specifically to .
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Not every credit score takes these payments into account, but some do, and that may be enough to get a loan or credit card that firmly establishes your credit history for all lenders. Build your score with good habits. Building a good credit score takes time, probably at least six months of on time payments..
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