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How to raise my score quickly
I need my score at a 640 asap. I have 2 credit cards that I use and pay off the balance each month. I am trying to keep them under 30 percent of my limit. I am making all my payments on time. I do have a collection that is 6 years old but reports every month. My score is around 580 because I have a bankruptcy on there. What can I do?

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