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Thin file. other was to improve score?
I recently had a baby and wanted to get an apartment I decided to check my credit score and it was a Thin file I was recommended a card apply and was denied my credit score is now 5** and I need to get to 640 at least to be able to move to a decent apartment complex is there any way to bump up my score with out a credit card my lease is up in 5months I'm only about. $500 in debt and can pay that off with ease but I just need to know if a credit card is mandatory to help bump up my credit score quick enough

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