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The human race is stupid and moronic. There are more wide bodied cars out there that were completely financed than there were bought outright. Stupid kids think something is cool and do stupid crap to replicate it.
If you have already financed it for 0% than you know who to talk to to do it again. It still won't help much. I did that with my car and had the bank auto pay the loan the entire length of the loan, when I paid it off it didn't change the score at all.
Your score isn't going to get much higher without a mortgage payment on your record.
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