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I would suggest two checking accounts, one personal and one business and it is probably better not to co-mingle the funds. Credit unions usually have better rates than banks so if that is an option go for it. Anyone can pretty much get a secured credit card and I would go with that to help build your credit.
I keep things in too and have very little grey hair even though I am much, much older than you are so I think it is the genes. The divorce probably didn't help though.
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I'd like to know how this turned out.....
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