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Did you list them as the beneficiary of any retirement accounts or insurance policies, or maybe as an emergency contact somewhere that reports to credit bureaus?


Emergency contact, that's possible...

Beneficiary, certainly not, I was in college, broke as fuck, and living on student loans, didn't have any sort of assets to speak of (besides a $900 car), no retirement accounts or insurance policies (besides the minimum liability insurance required by the state).




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