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how can i raise my score?
i have a 622 ck score, a decent debt to income with around 11k of credit and 2300 worth of cc debt. plus a personal loan i owe around 2100 on. my credit history average is short, but it might be cause the car loan i paid off a year ago never showed up on my report. 5 credit cards and i pay them all on time. how do i get back into the 700 range? because i really need a truck and dont want a buy here pay here special

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