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Take out a huge loan
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this post was submitted on 13 Jul 2025
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Because of that time horizon my wife briefly had no credit score at all. She trashed her score at 18 then never tried to touch credit again because "I already know my credit is trash" then it all fell off (and whatever went to collections had already been garnished from her tax returns and whatnot) and she effectively had a clean slate with no credit history