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benameswilliams

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Credit rating dropping
I can't wrap my brain around a reason as to why every time I update my credit, my credit rating drops a few points. I have an excellent on-time payment history, and at this time am showing no money owed to any creditor. You'd think that would make for a really high credit rating - but it doesn't seem to. Isn't the point of being a good user of credit that you pay your bills? What am I missing here????

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