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Anon tries to understand credit scores
(sh.itjust.works)
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Ridiculous, you can have a fantastic credit score just by using a credit card in place of when you'd otherwise use cash, then just pay the card off each month (which you should be able to do with no problem if you didn't borrow more than you had in cash) no later than the due date.
No interest accrued, credit score over 800. Easy.