8 Smart Ways to Improve Your Bad Credit Score

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Become an authorized user on someone else’s account

“Cards on which you are an authorized user will report to your own credit reports, as well as those of the primary cardholder,” Dull explains. “Be sure the cardholder is responsible, however, as high debt levels can hurt you both.” Before you bother, double-check that the creditor reports authorized users to the credit bureaus, because not all do.

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