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I can be 21 in June and solely this 12 months obtained my first actual job, first driving allow, first checking account, first cellphone plan (pay as you go). Simply attempting to ascertain that I obtained began later than others do in life.
I’ve no established credit score. A pair months in the past I utilized to get a cellphone by Verizon and make funds on it however I used to be rejected, which was anticipated trigger I’ve no credit score. Just a few weeks later I obtained a replica of my credit score rating without spending a dime from Verizon. It actually stated my credit score rating was “100”. This made no sense to me or my dad and mom trigger none of us have heard of a 100 credit score rating however my stepmom stated that it simply meant I had no established credit score.
I obtained my first condominium final week and the electrical firm stated I needed to pay a deposit due to my credit score rating. This made sense as I used to be anticipating it. I simply not obtained a letter within the mail with a replica of my Equifax credit score rating and it’s 737?
I nonetheless have not taken any loans out, rented furnishings, gotten a secured bank card, purchased/leased a automotive, completely nothing to mess with my credit score. I am so confused. How did my credit score rating get so excessive; I imply this can be a fairly first rate rating, particularly for a 20 12 months previous proper? Why was I disapproved for no deposit if this rating is so good? Why are the 2 credit score scores so totally different? Is that this only a fluke?
I’ll hyperlink the two letters from my electrical firm and Verizon (if I can discover it) under. Because of anybody who might help!
Electrical Firm Credit score Report
Verizon Credit score Report
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