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Also, I took out a loan but still do not have a credit score, why?

i'm pretty sure installments are forced

same just because of no daily installments

They are, unless you do not have the cash.

Does the game staff ever chat other than announcements?

No he has never since I started playing

He once sent me a private message, 2 weeks after I sent him one.

That seems harsh

Maybe he's that busy on updating the game.

Updating is only done once in a while