“He used that argument every single time he asked me to cover cabin maintenance costs or send emergency money.”

“Your overall credit score is seven hundred and ninety-five,” Monica said, looking at the summary box at the top of the browser window.

“You paid off sixty-four thousand dollars in principal without a single late notice.”

I downloaded the certified digital record, saved it to my encrypted drive, and checked the legal status column one last time.

My parents had no legal co-signatures, no shared bank titles, and no financial claims on my assets or my car.

I clicked save and archived the final report.