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Factors that may affect your results!

  • Opened a new credit card, auto loan or personal loan in the last 30 days = temporary 10-30 point drop
  • Recently maxed out 1 or more credit cards = 50-80 point drop, quick rebound when paid
  • Recent 30 day late payments = 50-80 point drop, 1 year penalty
  • Recently closed an account that had been open for many years like an auto loan that you paid off = 10-35 point drop
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