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lisabd

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How can I improve my on-time payment score?
My on-time payment score is dismal, 93%. It will take me 50 years of on-time payments to get that up to "good", which is 97%. Is there a better way?

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You need to make your payments on time, everytime. Credit scores take a variety of things into account. Read some of the articles on the Credit Karma website. 

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