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Credit scores fair unfair after paying off debt?
I believe the scores take too long to go up even if you keep track of your debt and pay them off without collections. I also think that credit karma shouldn't temp you with credit card offers if you worked so hard to pay off the current cards. Should help you figure out how to increase the score with out the useless loans or credit offers. We struggle to keep track of our score, we deserve better suggestions to help improve it.

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