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A comment on An Interview With Earnest: Ethical data science for better lending. Parent comment

Re:An Interview With Earnest: Ethical data science for bette... by aidenn0 on Tuesday October 28, 2014 @07:43PM (#8524489)
Right now you will have a lower credit rating with 0 credit cards than with a small number that you do not maintain a balance on. I know several people that don't use credit cards out of privacy concerns.
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