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Sadsong

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All my accounts are closed. Yet it is giving me a poor rating keeping my. Score low

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Having no credit does not help your scores.  Read the artical here and see how credit works.

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No Credit? No proof of ability to pay..

Many lenders see too many closed accounts as a sign of distress.  They also see too many opened at once as a sign of distress/desperation.  We need credit (managed properly) so that lenders can see our payment history (our ability to pay/to be creditworthy).  

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