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theister

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cannot get my TU score to increase... why?
I have 2 CC's paid off every month. 2 loans, car and home. Both are less than 3% interest. I dont pay them off because the invested money makes over 5%. I have no late payments at all... ever. No matter what I try in the simulator my credit score goes down. Paying off the house or car decreases my score. My total outstanding loan amount is equal to 1 years salary so my debt to income ratio is low.
Any ideas?
Thank you.

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