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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.

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Best Bad Credit Loans of January 2024

Savings Corner

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

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Eight Things I Learned After Becoming a Millionaire

Prairie Eco-Thrifter

Some might find it surprising that a millionaire would want to keep working. Gone were the days of having one bank account and only having to keep very simple records. You don’t have to contend with deciding which bill to pay or how to avoid a debt collector’s call or trying to keep the landlord off your back.

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Best College Student Credit Cards of February 2024

Savings Corner

That’s as good a combo as you’d find on even a lot of non -student cards. When you submit an application to rent an apartment, the landlord may look at your credit score to gauge how likely you are to pay your rent on time. You’ll make more progress toward eliminating your debt. Read our review. Read our review.