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The numbers will determine your fate
(lemmy.world)
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this post was submitted on 15 Feb 2024
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It's because you don't have any credit history (the co-signed loan doesn't fully count). Go get a credit card and pay off the full statement balance every month. That will build credit history and account age. DO NOT carry a balance, that incurs interest. Simply pay off the statement balance every month when the bill comes.