Are there better ways to improve your credit score besides a secured credit card?

I'm trying to improve my credit score(530) and am going to get a Bank of America secured credit card. It has a annual fee and a 20% APR. Is there another proactive way to dramatically improve my score without having to face such high interest rates? btw, I havw already dealt with my bad credit [...]

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How long to improve credit score?

My husband and I are trying to purchase a house. He has a decent salary and we can afford it. I pulled our credit yesterday to see that his credit score is a 585?! We have had all of our major debt paid off for 12 months now. There is one credit card with a [...]

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