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I'm an 18 y/o (Soon to be 19) college student that works 40 hrs a week (currently on summer vacation). I have a couple of credit cards that I have never been late or reached my limit on. I recently found out that my credit score is 638. My question is whether or not that is decent for someone my age. I realize that it needs considerable improvement, yet am I at least on the right track? If not, where should I be? Thanks,Mateo
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