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i agree with POP. you have to creat the illusion of responsiblity..borrow...pay off. having a bunch of open CC, does nothing.
my wife has a near perfect FICO, it is a sport for her. i am a few, maybe 10 points behind her and she loves it. the car dealer said her score was the highest he has ever seen. we both felt that by borrowing $7k to buy the car would help in the long run. just trying to look even more responsible.
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poof! gone
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