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sabih43

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how came i do not have a perfect credit score?i have never been late on payment.

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How old are your accounts?  What kind of credit do you have?  How many cards do you have?  What are your limits?  All these will factor into your credit report and score.  to get a perfect score you need a mix of credit like a morgage, car and credit cards.  You need to have this for a long time.  Credit is a marathon not a sprint.

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