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Tony
Tony 
Carl failed to make payments on time witch made his credit bad

He failed to make payments on time or had never had a credit card before
He failed to make payments on time or had never had a credit card before
Troy
 Troy
AJ
AJ
Late payment n debt
Troy
Troy
He has so

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Didn't make a payment

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Make sure he is making payments on time

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- He failed to make payments on time
-Hasn't started making some payments
-Late on college payments
-Age

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He failed to make payments on time or had never had a credit card before

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He failed to make payments on time or had never had a credit card before

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Carl failed to make payments on time witch made his credit bad

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Late payment n debt

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He has some debt somewhere

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Didn't make his payments on time

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late on any other loans or payments

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Carl probably did not make payments on time

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He either didn't make payments on time or he never used credit before so he wasn't able to build his credit score up.

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Didn't make payments on time

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Late on monthly payments. Water, electricity, etc. Also, how much debt he is currently in.

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Didn't pay a Student loan back on time

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He may not be paying his student loans back on time, which may be accumulating high interest since he doesn't seem to do too much research on loans.

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didn't pay loans on time for school and did not research the loans to begin with, resulting in stuff he wouldn't understand such as accumulating higher interest
hasn't started making payments
insurance or repairs on clunkers from past

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He might be paying things back late

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Late payments

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Carl probably failed to make payments on time

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He probably didn't make payments on time

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other payments that were late on credit card

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He probably didn't make payments on time or pay back all of the money he owed

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He might have multiple different credit cards that he doesn't always pay right away