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It's the first year of my credit history.
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I would get my credit card from Discover bank and get the Discover it Student Chrome credit card. It has a $0 annual fee for 6 months after that the APR will be 12.99% to 21.99% based on my creditworthiness. The card also has a 1%-2% cashback reward rate. The maxim spending rate is $15,000, but I will not use that much of it to avoid having to make minimum payments and adding up interest/debt.
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Going to college within my own state, and city with a scholarship so I won’t be taking out students loan as of now. Now I would most likely get a credit card to build up my credit score for one, and use it to buy small purges when need be. I would have a job at the local comic shop getting paid minimum wage to pay off my credit card debt.
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This is the 5th year of my credit history
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Besides paying for my credit card, I would try and take out a loan for a car. My credit score would be good at 760, which will make getting a loan easier and possibly up my budget for getting a car. The car I would get would be the 2012 Toyota Camry SE and with me putting a down payment of $2,000 and the car being $14,948 I would be paying $241 a month.
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I would most likely have graduated college a year ago, and now trying to find a job as an artist like a comic book artist, a concept artist for t.v/games/movies, freelance, etc. I would be living with my mom still until I can get an apartment maybe in the same year, but it depends on how fast I find a well-paying job. Maybe I’ll try to get a car as well I will need for traveling.
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My credit history in 10 years
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Ten years from now, I will be a comic book artist and a freelance artist, I would most likely still have the same car, it works fine. I would move to Virginia, Chesapeake, and will have an apartment there. Not much will be going on in my life at this moment just work, sleep, and maybe fun if I have time.
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I will be renting an apartment in Chesapeake by putting down a security deposit for $300 to $400, the rent would be $1,607 a month. It will be a 1 bedroom, 1 bathroom 738-793 sq ft apartment. I won’t think about taking out a loan for the apartment…maybe in the future when I get a house.
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This is my credit history in 20 years
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I, most likely, would still have the same job. However, I would have, or at least try to get a small house most likely in the same city and state in Virginia, Chesapeake because I don’t like to move around too much. Most likely, I will not be married at this time, just living on my own.
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I will take out a loan for $235,000 to buy the 2 bedrooms, 2.5 bathroom house with a garage. The rent will be $1,116 a month, but with the interest rate of 6%, which would be $1,100.21, it would be $2,216.21 a month with both of them combined.
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