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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

The people with the highest scores carry balances equal to no more than 10% of the limit on each card. Rent payments must be uploaded by third-party service like RentalKharma (currently free), RentReporters ($10 per month) or WilliamPaid (free when you pay your rent from your bank account via the site). Debt load – 30%. File age – 15%.