Car Shopping, will spend up to 45k

[madbeetz]

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I have very good credit, so I am assuming low.

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How can you be 20 years old and have very good credit? Honest question. I was under the impression that no matter how perfect you keep everything, it was pretty much impossible to have "very good credit" at that age simply because you lack a significant time frame for credit companies to establish an accurate assessment. I got two credit cards in college to establish credit, paid everything off the month I accrued a balance, was never late, etc. etc., and, by the age of 22 (I'm 25 now) could only characterize my credit as "average," usually because of the short time frame mentioned above. So, how'd you manage to get "very good credit?"

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I guess I am assuming I have very good credit... Since I was 18, I have been buying everything with my credit card, and paying it back in full each and every month. I guess I assumed I would have good credit. I suppose I should have said I have flawless credit for a 20 yr old.