| http://www.w3.org/ns/prov#value | - Neither of them has student loans or car loans (they each bought their first car used with cash), so their score is just a product of that credit card, paying it on time, and not charging it up to use a huge percentage of their credit.I hope the only loan they will ever need is a mortgage, and a car loan only in the case where it makes more financial sense but not because he is the only way they
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