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Ava Credit Builder is a financial tool claimed to be the fastest and easiest way to build credit by utilizing personal savings. It allows users to enhance their credit scores without relying on traditional methods like mortgage loans. The service comes with its own set of pros and cons, which users should consider before signing up. Some argue that it's beneficial to avoid using home builders' mortgage lenders in favor of Ava Credit Builder. However, it's crucial to weigh all factors before making a decision.

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