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How can fix my history of late payments
I have a 733 credit karma score no credit card debt just a student loan of 16,000. However, two years ago I was late in payments for all my credit cards a total of 2 to 3 late payments for each credit card (4 credit cards) I have applied for other cards even store cards won't approve and thats the only negative thing in my credit. How can I fix that? Please help

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