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credit score and credit utilize plus collection
i was wondering i have had a bill in collections for a long time and CK viewed it as a loan,it was just a bill why is that? also i am trying to rebuild my credit the credit utilization i never even really thought about so i was using credit a few days after i got it, i need to know what is going to be a quick way to get my score up? due to this mistake i did? one last thing how many points does your score go up each month if you are making your payments on time?

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