People believe that having no credit cards, not owing money, and, basically, avoiding anything related to credit will improve their credit score.
Well, the opposite is the truth - lenders want you to show them that you can handle credit, and, of course, the only way they can notice is if you have credit that you handle correctly. Having no credit at all can be worse for your credit score than having a few credit accounts that you pay off conscientiously.
So, if you currentl
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