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credit history

So you think you don’t have a credit history …

An acquaintance said to me – rather smugly – the other day, “I don’t need to check my credit score, because I don’t have a credit history.” “Oh, you don’t?” I said. “Have you checked it in the past and discovered you didn’t have a profile in the system?” “No,” he said. “But I’ve never had any hire purchases or a car loan, so they won’t have anything on me.” Many people think that a credit history is built solely…

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