by eyewash
Question by Stephanie W: Do you need debt to build credit?
I am too safe financially. I don't buy things I can't afford and so haven't taken any risks.
I've recently become interested in my own finances, in light of this financial crisis. I've gotten a credit report and found that I haven't got any. I simply don't have enough of a history to go off of because I don't overspend.
I have one credit card I make all my purchases on. I pay it off every month, minus maybe $
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