it's not really a matter of being sucky, it's a matter of being non-existant. just turning 18 in may, all i've done is opened a checking account, which doesn't really establish credit. I got my credit card like 3 weeks ago, but that's 'emergencies only' but now i'm using it to get some credit racked up, being that i have no interest on balances under $250, it's basically another debit card.
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