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I think caring about your 'credit' is a scam.
Unless you are going to buy a new house, or buy a new car, who gives a shit?
Don't live beyond your means.
I know I don't care what my score is, and I won't for atleast 10 years, when I settle down to buy a house.
Just like a lot of other things, credit is just a racket, and another way for multiple companies to fuck you.
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