Pay off Your debt first then start back building

I started with money lion the end of 2024 to build my credit score in 2024 I had a credit score of 437 and now I have a credit score of 660 and that’s with fighting a identity theft crisis and to be be honest I don’t know what I really did t I do know the credit builder loan helped so good the first time around that I’m on my second credit builder loans

3rd one is “ask someone responsible to put you on as an authorized user to 1-3 of their CC’s”. But they don’t allow for that many characters

How do you get one I’ve tried every one of there suggested options

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Get small installment loan and pay credit card down or off with it. It will show you can handle a different type of credit when you make ontime payment and add to your credit mix. Smaller payday or installment loans usually carry less interest and definitely less fees than credit card balances and fees. And you can't add more purchases to a loan like you can a credit card. By the way after paying on the do NOT use it up again or it will defeat the purpose and you wind up in more debt.Only use this if you have self control to not use the credit card your paying.