the reformed tradition, in particular, values a “decent and well-ordered” process. want to see what your liking history says about your personality? after all, this experience is life changing. it's no surprise that young people with few credit accounts ("thin" credit files) tend to have lower scores than older folks. however, taking the time to learn from a professional can instantly up your game. this is exactly why we need the third main. i would sell it to the other kids that would sit around and wait for the cars to drive by. 