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the hard part about being in your 20's is that nobody takes you seriously on a financial note unless you have a near perfect credit score and a substantial and often unrealistic income.
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The problem I encountered at the start was having absolutely no credit rating at all as I had never taken a loan or used a credit card . Income and money in the bank they wouldn't even consider in the mortgage equation without a debt history.
I see you got round that by using cards.