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  1. Your borrowing habits, and how 
  2. responsible you are, will follow 
  3. you all of your life. Your credit 
  4. history is a summary of your 
  5. borrowing reputation. You will 
  6. not be able to purchase what you 
  7. need and want without a borrowing
  8. reputation that communicates 
  9. your sense of responsibility and 
  10. trustworthiness.
  11.  
  12.