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My credit would be fairly meh if I didn't open up credit cards and use them responsibly, but even if I didn't I'd have never missed a payment on anything so that's dumb lol
My family gave me one head start in life too and that was putting my name on a boat they bought once so as that was being paid it helped my credit but idk how much anymore since it dropped off so long ago. Got me decent rates on my first few cars tho