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Credit Cards: The Only Way To Improve Credit?
Hello everyone. I have 2 questions. #1 are credit cards the only way to increase your score or can you open accounts like for furniture and major appliances? #2 The only debt that I really have is my student loans. There is quite a bit owed but all loans say that the status is "pays as agreed." is this a bad thing? I mean, the amount is almost 45K. I appreciate any advice that can be given. Thanks in advance

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