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When I imput "pay off all credit cards" my score only goes up 9 points. It's pretty terrible as is, and so other than paying the cards off, what on earth can I possibly do it raise it? It used to be 700+, now it's like 530. I have no idea how to rebuild this. I have marks on my report that will stay there for years. How on earth can my score ever go up? And by how much each month, each year, etc?

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