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02-05-2010, 07:51 PM
junebug19136
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Sub: What should a young person do to up there credit report score

I am a 22 year old college student that just started foucsing on my credit. My father committed fraud by using my SSN, yea poor lillte me a victim of fraud. However, I am cleaning up the conflict by disputing them and providing all information I can to prove it wasnt me. Futhermore, what are some small things I can do while in college to up my credit score, so that I can get low interest rate on a home and car when I graduate.
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02-07-2010, 08:50 PM
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You are doing the right thing by disputing items that don't belong to you. Apart from that you can do the following to maintain and improve your score.

- Do not rack up debt
- Don't be late on your bills
- Try to manage your debt at 35% of your income
- Use your credit cards cautiously
- Avoid getting too many credit inquiries in your report
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