I took out a $2000 personal loan even though I didn't need the money, and it bumped my credit score from 'good' to 'very good'
Initially I worried that taking out a personal loan would complicate my life. However, being strategic about my loan has actually made my life easier.
In college, I worked hard to stay out of debt. I avoided taking out student loans by attending the school that offered me the best scholarship. In my mind, finances were black and white. Loans and debt were just plain bad.
When I graduated, I knew it was tim
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