How to Raise Your Credit Score

I need to raise my score to have a better financial life

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Save some money up (about $300) and then put that money on a secured credit card. After that, you need to use that credit card. Do not exceed 30% of the amount you put on the card. Make your payments before they are due. After using the card for a few months and making payments early or on time, apply for retail credit cards (same rule applies for these cards as the secured cards).