Applied for mortgage.  Application went well.  I got to see my
credit report.  They said I have an A+ credit rating.  This fortunately
meant that they only needed my most recent bank account statement instead
of three months’ worth.  So a question I have is…if someone has
never had a credit card or borrowed anything, do they have a good credit
rating or a bad credit rating?  Now if only the 80s stations would
ban Journey.

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