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I don't think a credit pull is the biggest concern here.

Couldn't using this reduce the average age of your accounts, which is a big factor in credit score calculation?

The only thing that reduces the average age of your accounts is opening new accounts or closing old ones.

It doesn't register a loan, so there's no new account to affect credit score?

You used the word "typically" in the last post, which isn't a very precise or confidence inducing word when dealing with something important to your life.

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