I have paid off all my bad debt, as in late charges on old cedit cards and all that. I need to know how to raise my score. I put a down payment on a cell phone and other stuff, but it doesn’t show up on my credit report. I just need to know how to up my score without hurting myself in the process. I have changed things around and have promised myself never to get in that mess again, but now I can’t get credit for anything. Help me please?

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