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Based on the effect of bad credit, the best option is Bad credit means you may have to live at home with your parents for a long time. It also means you may have trouble getting a good job. and trouble getting a loan. And even if you get a loan, you will pay a lot more in interest.
As a result of this, you will find it difficult to rent a house because landlords will be worried about your ability to pay rent. Getting a loan will also be hard and any loan you get will have a high interest attached because of your riskiness.
In conclusion, option C is correct.
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