Quote:
Originally Posted by Just Alex
Isn't bad or you don't have any? 
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Its not bad and its not great either, its better than average. He was trying to sell a car

. I have a local credit union where i used to do a small loan each month for a few hundred dollars ($500) then pay it back. They reported each one to the credit bureaus i did this this for like a year and a half, I paid off/settled negative accounts, then stopped using the credit. I can walk in and get any amount there i want as long as i have 20% collateral.