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how can i make my score not only higher, but stronger as well.
I'm 24 years old, and I only have a credit card on my credit history. My score is good 740, but banks say that there isn't enough to my score. I have never had a loan, should I take out a small loan just to pay it off so that I have more facets on the credit "pyramid" I guess. I also don't want to take out loans to improve my credit but have it tear it down as well.

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