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how did my credit get so bad?
I turned 18 Halloween of last year and I decided to try to build my credit somehow by a credit card but when I am denied I can't see why! I applied to discover and they said that my credit score was a 289 and now I am on a contract with sprint and they are charging me an extra $5 for some reason and according to them my credit score is a 1200. I have never had anything in my name until now. I don't get how it is so bad! Help please!!

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