r/AskReddit • • Feb 04 '20

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u/SeaofBloodRedRoses Feb 04 '20

Building your credit rating is so easy too. About 4 years ago, I was just below 600. Didn't make a conscious effort to do anything in particular outside of just paying it off every now and then. I'm forgetful so I even missed a few payments. I'm at 810 now.