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Know what? I HAD a credit rating like that. I had a relationship with someone like that. It's (or they are ) still fucking my credit with accounts that they didn't refinance without my name, despite court order.
Don't get with someone like that or you will suffer their bad choices and they will continue to make bad choices USING you, or your good credit, to dig their (and consequently YOUR) hole deeper.
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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