What are some ways to build your personal credit score?

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For those people, it iss important to understand the differences between good and bad debt. A small personal loan for a pet project or a used car from a bank or credit union you have a long history with counts as "good debt," and as long as it is easily added to your budget and paid on time, can do a lot to boost your score. There is also the secured card option, which requires you to put down as much money as you are willing to use it for, and as you spend your collateral, you use up the card until you "charge it up" again, as it were.