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I was going to add that at my age I don't care about my credit scores. 
I have all the credit cards I need or want, a paid for car, no intention of getting a mortgage and I've been with the same auto insurance company for years. At this point in my life good credit is more of a liability as it makes one a target for identity theft. I do appreciate the information however, in case one of my children ever gets into a dispute with someone.
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