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Let’s say you’re a perfectly responsible, middle class adult who’s been paying your rent on time for 5 years and never took on any debt. Good for you! Unfortunately, you may have realized that you may have a harder time getting a loan because of the simple fact that you don’t have any debt. Seems backwards right? I was in a similar situation. I had to open 2 credit cards and get a small $2,500 personal loan just to establish any sort of credit! Although this worked like a charm, it doesn’t seem to make a whole lot of sense....

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