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We don't borrow money. I don't like filling out forms. Plus I like it when I buy a car or something and they ask about financing and I just say, "What, won't you take my personal check?" I'm pretty sure my credit rating is probably crap since we don't do debt. Eh, big deal, I'm not getting any other jobs or borrowing any money so who cares?...
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As always, this is IMO.
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