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Credit score went up 59 points but vantage score dipped 20 points why?
paid off my auto loan had it for 13 months paid it off because i am applying for a mortgage my utilization is about 30 getting it to 20 but excellent credit history and payments. Frustrated because vantage went down 20 points to 695 and credit score went up to 749. Plan on paying down rest of credit card to get at about 15% utilization will this hope rebound my vantage score.

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