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How do I increase my credit score??
I have no debt (loans or CC's) but when i was out of work I had a few accounts go to collections. How do I or am I able to get those negative marks removed from my credit report? They are all paid currently and I have absolutely no debt. I was hoping that my debt to income ratio would help my score go up but it hasn't helped at all. How do I go about being proactive in trying to get these off my report or how do I increase my score in general w these negative marks. Please Help!!

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