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How can I improve my credit score without going into debt?

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Make use of secured credit products. A secured line of credit or a secured card allows you to use money on credit, as long as you’ve put up the funds first to secure that credit. A third option is the credit building program, which uses the program payout as the security funds. This means you don’t have access to the payout until you’ve paid all or a portion of it off, but it also means zero debt and no need to come up with cash up front to secure it with. You can check out Refresh Financial’s credit building program here: Click here.

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