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Barry Courter

Editor's note: Barry Courter has a 26-year-old son who is a college graduate and a 21-year-old daughter who is a college senior. Each week he poses a question he wishes they would ask.

Q: Dad, do I need credit?

A: The short answer is "Yes, you will." You might even need it now if you plan to have utilities in your name when you rent an apartment. Some banks offer different types of credit card options that can help. Do some research and ask lots of questions before getting one, though.

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