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It's simple. Mine is 821 and not because I'm rich, because I pay my bills on time and the few I was late on were never reported because almost any creditor will just send you a bill for the double amount and if you pay it, nobody knows any better. I've missed a lot of bills, especially since I moved because the new postal person is a fucking moron. My name and address are clearly there, I filled out the form when I moved but she just can't wrap her head around the fact that a new person lives here now.
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