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Carl might've not payed back his loans on time which caused his credit score to drop without him realizing it.

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Carl should had pay his crap on time . So now he's going to have bad credit and he's going to have a hard time to get a loan with such a low credit score

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not pay laons on time

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He might not have paid off previous loans

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Should have bought a Honda Civic

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He might not have made payments on time to a loan he hight've had for college.

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Paying off his college payments late could be giving him bad credit

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He has not paid off other loans yet or has not been able to pay for recent purchases on his debt card

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He might not have paid previous credit card bills on time.

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IDK

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He might have had debt or not payed loans in the past. He also might've paid his bills late.

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He didn't pay of his loans and also has not been able to pay for all the purchases he has made.

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Since he has never had to deal with loans or any sort of credit making decisions or agreements his credit was low. What he should do is find different ways to build credit so it can help him purchase his brand new whip

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Carl has bad credit because he might have not paid his college loans on time after graduating, or his credit card bills. He also has never bought a car from a dealership before, so he didn't do his research on how a car loan works.

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Got in a divorce and his ex screwed up his credit score

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Didnt pay previous loans on time

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he could  have built up credit over the years