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Credit lines for unbanked people. Instead, try to pay your balances in full each month and only charge what you can afford to pay off.
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It's generally a good idea to keep your credit utilization below 30%. Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit. You can get a free copy of your credit report from each of the dakota three major credit bureaus (Equifax, Experian, and TransUnion) once a year.