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> Heck, many wealthier younger folks don't have one.

This is a huge problem and I really wish more institutions would switch to email/phone services. Mail is incredibly unreliable.

Last year I had a medical bill which I completely missed due to a changing address. It was something I could've easily paid, but I didn't even know it existed until I got a large ding on my credit score.



A bad mark on your credit isn't the end of the story for that debt. You should check out if you can still pay it and get the mark off.




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