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Take advantage of credit-building tools. Secured credit cards , for example, provide a safe way to make monthly payments and build credit history. You can also ride the credit coattails of a parent or other responsible mentor if they're able to add you as an authorized user on their credit card — even if you never touch or use the card. If you need to take out a loan, you can ask someone with good credit that you trust to become a cosigner.

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