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Can you please explain how "low-impact" factors hit my score so hard?
CK says I have all "A's" in the top four most important categories for calculating a credit score: Credit Card Utilization, Payment History, Derogatory Remarks, and Age of Credit History. I have low grades in Total Number of Accounts (F) and Credit Inquiries (D), but these are supposed to be low impact. How can they sink my score so far? I am only at a 644, never being higher than a 675.

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