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My uncle has a $50,000 line of credit he has never touched. He doesn't need the money. He has cash. Zero balance, and it'll be zero forever. I set it up anyway, and it has nothing to do with borrowing. One of the biggest sources of mortgage fraud is a house with clear title. Paid off, nothing registered. Somebody makes an ID in your name, walks into a bank, and the first you hear about it is a phone call about a payment you never agreed to. The thing that stops it is boring. If there's already a
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