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Ive always paid cash. im 34 dis vet. few mistakes and no credit for back-up. so things were paid late. my credit score is so bad i can't get a secured card. should I just stay with cash? Lost my car in nov. repo day after thanksgiving. 2 yrs $12,0000. says I owe $3,000. only owe $1,0000 plus a couple hundred. Its a bad mark. My first loan. again should I just do cash?

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