as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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how to approach building credit without a credit card
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one possible route is to try to have no credit. this is different than bad credit. if you build up a good downpayment (20%), a number of banks would do manual underwriting for you.
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