It was about half way through my freshman year that I met Karen and her friends. I'd known who they were of course, because they were very out going a...d everyone saw them around school. It was in Freshman English that I found myself teamed up on a project with Karen. For some reason we hit it off right away and before I knew what I'd agreed to, I was going to the beach with "the gang" that weekend.I live in San Diego and the beach is only a few miles away from my house, but you could count on. I told her, “We can look over at the Subaru. They have the Lapis Blue WRX STI fully loaded out. Honda hasn’t put anything into the Civic STi in a while.”She loved the Subaru.Even though it was her car, titled in her name first and her parents second, they had to run my credit. It sounded like fun, so I let them.“Mr. Jones,” the finance manager said, coming out. “There seems to be a problem with your credit. You have no credit history whatsoever. We are not able to finance an eighteen-year-old. More

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