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I paid off all of my debt and closed all of my open accounts. Credit score 515. Make it make sense. Fuck up once? 7 years of bad juju. Pay off all your debt? they forget immediately.
You need open accounts. You need to show you're responsible with debt management. Use a credit card like a debit card, any purchase you make pay it right away.
Credit scores don't measure financial responsibility, they measure how much money banks think they can make of of you.
The want you paying interest and account fees, even if that isn't financially responsible.
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