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How to build up a good credit record

There are two main ways – always pay your bills on time and the correct amount. If you don’t have any accounts/credit, then create a credit history. One way to do this is to apply for a credit card or bank overdraft, and in a very controlled way, use that credit and then repay what you owe on that card/overdraft. That will show your reliability when it comes to repaying any future credit obligations you may have.

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