I am applying to rent a duplex, and the application asks for one personal reference and one credit reference. There's only one problem—I have no credit. Zero. I've never had a credit card; I've always used my debit card. I've never had a car payment; I've always paid cash for all my vehicles. In short, I don't believe in the American cultural notion of spending money that I don't have. So what do I do in this situation? Just leave that section blank?
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