Don't forget you can (usually) get a free credit report if you snail-mail in a request to a credit bureau. I think you build credit with student loans, utilities, etc. Best get a report to see what's going on and then go from there.
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Knowing that death is certain and that the time of death is uncertain, what's the most important thing?
—Bhikkhuni Pema Chödrön
Humankind cannot bear very much reality.
—From "Burnt Norton," Four Quartets (1936), T. S. Eliot
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