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[–]LyingSpirit472 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (1 child)

Exactly, but part of getting debt experience involves taking out debt so you can prove you'll pay it off. (Oh, and you also can't "just don't let your debts outweigh your money coming in and pay it all off each month", that's paying it off too early and also counts as bad debt experience. Only paying it in enough time the debtors/banks get some interest works as "good debt experience.")

Point is, it's not possible for "just don't take out debt" or even pay your debts back well.

[–]William_World 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (0 children)

yeah I know what you mean I took out a credit card and bought small things then paid it off right away for 3 months, that was so I could get approved for property loans. It was an annoyance for sure. If I just kept doing it and not paying back the debt it'd be my own fault though.