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3. Reduce Your High-Balance Accounts. You'll see your credit score rise if you reduce the amount you owe on your credit cards. Your revolving utilization makes up 30% of your credit score, so it's worth it to put any extra money in your budget toward debt reduction.Online and Mobile Banking. Take care of financial tasks whenever and wherever it's convenient for you. Learn More. Atomic Credit Union in southeastern Ohio provides feature-rich accounts for your personal and business banking, along with anytime access.28 Sep 2023 ... ... Ceddit to Paddy Harrington YT ". original sound - ✗OTWOD.HS .

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Here are four strategies for building credit without a credit card: Pay all your existing loans diligently. Payment history is the most important aspect of your credit score, so pay close attention to your existing debt. Make sure to submit all your payments in full and on time to maintain a good payment history.Press J to jump to the feed. Press question mark to learn the rest of the keyboard shortcuts ….

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