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		<title>How To You Achieve A Credit Score If You Never Used A Credit Card?</title>
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		<description><![CDATA[A Reader Asks&#8230; How is bad credit and good credit determined, and given my situation, how do I make it better. Please help because I&#8217;m thinking about giving a credit card a try since people owe hundreds and thousands of dollars on them, and somehow continue to be approved. Don&#8217;t get it. (Scroll down to [...]]]></description>
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