Below is a list of resources that could be helpful in rebuilding or establishing credit. Use credit wisely. Charge what you can afford to pay off each month. If you must carry a balance ideally you want to keep it at no more than 10% of available limit. If you go over 50% of your available limit your credit score could be negatively affected. If you have no credit a secured credit card may be your best option. Using credit is acceptable, misuse of credit is not.

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