| http://www.w3.org/ns/prov#value | - You CAN build credit without credit cards, true, but your file will always be thin (unless you take out an abnormal amount of car, home and other loans) and that can hurt you in a manual review of your file (which is happening more and more often as banks realize that FICO is not the end all be all of credit).As for my comments being marketing not sur
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