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<<The only exception I see is with student loans. Student loans aren't dischargeable, but credit cards are. So you could finance your education, and over the course of your last two years, do balance transfers to credit cards from your student loans and charge your current tuition (don't all schools take CC now?) and then just file bankruptcy when you graduate.

Just the thing most employers want to see when they pull a credit report on a job applicant.

Along those lines, if an employer is planning to pay an applicant for a job more than $50,000 or so, all the information on a person's credit history goes to the prospective employer, regardless of how old that information is.

Seattle Pioneer
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