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  • seems to me that paying down ones own debt will bring down THE score. i own my truck and my bikes,used cash. payed off my house this year, 13yrs early. and have money in my checking/savings/cd fund and owe no one nothing. and alls i get is a score of 686 or FAIR. and to think of all the money i saved just paying off my house. their game and rules i guess. i will stick with cash and just keep buying
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