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Old 02-23-2010, 12:01 PM   #6 (permalink)
Baraka_Guru
warrior bodhisattva
 
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Location: East-central Canada
There are many factors that affect your score, but the biggest factor is time, unfortunately.

Just keep using credit responsibly, and your score will continue to improve.

The trick is to actually use credit, make payments on time, keep balances low (below half is fine), refrain from acquiring new credit accounts, and refrain from closing current accounts.

Next, just wait it out and your score will improve.
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