so i'm 20 years old... i signed a lease for an apartment when i was 18, however my mom was my co-signer and they used all of her credit and things. i have never taken out a loan and i dont have a credit card or anything in my name before. i have a debit card and like i said, i signed a lease once, but everything went through my mom and dads account.. so do i even have credit yet?
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