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Greetings, @aaalviarez. Thank you for sharing your experience too.
It does takes a while to understand how to best use debt. Once you do, you'll probably knock yourself on the head for not doing better initially... Lol.
Definitely. It's counterproductive to borrow from Peter to Pay Paul.
I hope people learn too. Thank you again.
RE: Getting in and out of debt helped me understand the importance of credit scores