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Meet Andy Cross, young professional, 26yrs.

Andy makes a decent living. He recently decided to trade in his 2001 Ford Escort for something a little safer for the Midwest winters. But he was turned down for an auto loan.

The reason: Andy didn't have bad credit, he just didn't have any credit.

In college, Andy didn't own a credit card. He paid all of his bills on time, such as rent, utilities, car insurance, cell phone, etc, out of his checking account or with a debit card. And, although he knew building credit history was important, Andy never thought that NOT OWING money would prevent him from borrowing in the future.

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