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Credit is so fucking important. Do not take it for granted, stay on top of it. I was stupid in college, got some CC's and bought shit I could not afford, including my first computer. Most of those are gone now, but I still have a few that should come off within a year. It has made getting loans/mortgages a hassle in the past. I ran my credit report again last night, and noticed some $180 charge off from the electric company that HAS TO be an error. Those small things will really bring down your score.
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