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If you’re under 21, you can list only your own income on a credit card application.

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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " With so many websites offering free financial tools, it can be hard to know whom to trust.

This means making regular purchases and paying off your balance on time every month.

It takes about six months of credit activity for a FICO credit score to be created.

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