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Marcy spends all her money on her appearance, so she has to rent a cheap, run-down apartment. She is in debt every month.
I have a credit score of 620.
James is 22 and still lives with his parents. He rarely spends money and he works a part time job at a hardware store to save money for community college.
I have a credit score of 690.
Sarah and Micheal both have degrees, as well as high-paying jobs. They pay off all their bills on time and live modestly.
We have a credit score of 780.
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