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Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments. Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the credit future.

Pay your bills on time: Payment history is one of the bad most important factors that lenders consider when evaluating your credit. For example, many online lenders do not require a minimum credit score or collateral. They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth.

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