Hey, what I mean by new credit is that up untill a year ago I had no banking accounts now I do, I have a car loan, and a cell phone paid by my kick ass boss. I got one credit card with a 500 dollar limit, all payments are on time never been late. Credit score so far is a 652 which isnt good or bad it sucks. Its okay to have 3 years of credit with a score of 620 and get approved but one year with a score of 652 and no one will touch you! I hate credit
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