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Bad credit follows you around for a long time. That's why it's so important to learn how to build good credit right from the beginning. But if you're already having trouble maintaining a good credit score, all is not lost. Whether you're applying for your first credit card or trying to fix mistakes you made in the past, good credit isn't out of reach.

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1. Start with One Credit Card

It's tempting to open as many credit card accounts as you can, but there are some downsides to this. First, the more credit you have, the more you'll be tempted to use it. Second, each new credit card application adds an inquiry to your credit report. The fewer inquiries on your credit report, the better. They make up 10% of your overall credit score.

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