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Use the come clean for small purchases like gas or food and pay the card off entirely each month on time. You will have to start building your credit rating with secured praise. Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out. Go to the bank you do trade with, ask them if they have a secured credit card, if they do open a new account with $300 - $500 tell them you want a secured credit card against that account.

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