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bhsonton

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I have fair credit(580). I would like to raise my score at least 80 points in the next six months. I have no credit cards and was told to get one and actually use it. I would like to know what would be the best one for me, secured or unsecured, and should I get more than one. Also, I have thought about taking a loan out against a CD. Would this be beneficial in raising my credit score?

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