@matthewb

very good point by @kmacb.eth though I would also urge parents to do whatever they can to help their young adults build credit. my hairdresser was telling me that she got her apartment because the landlord chose whoever had the highest score. she has an 850 (max is 900). let that sink in: to rent a basic 1br apartment, the tenant needed an 850 (!!!). nevermind the minimum 20% down payment + <39% GSD/<44% TDS ratios required if you dare think about buying...

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