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Late 90's to Mid 2000's -- Fresh out of high school, first try with credit. Failed miserably. 2 CO's and multiple collections.
Mid 2000's -- Found out about CreditBoards, started the long repair road. Found secured credit/loan, subprime store cards.
Late 2000's to early 2010's -- Second try with unsecured credit. Failed, and also added defaulted student loans.
Early 2010's to mid 2010's -- Single secured credit, convert to cash lifestyle, focus on other parts of life.
2018 -- Third try with unsecured credit. Hopefully this time's a charm.