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gk681948

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I was overseas for 20 years. So, no problems or usage of cards or getting bills for 20 years.

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For your credit score, if you had no credit, you are in the same boat as someone who just moved out mom and dad's house.   If you are bragging - great job!  If you are trying to build your credit, you'll have to start out like everyone and get your first credit card and beginning your wise management of the card.  You may find that a secured card is in your future.

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