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How to raise score with old but paid debt?
My score is 532. I have an old bankruptcy that will fall off in 2 years. I had a lot of debt that I accumulated during a bad relationship. The debt and the guy are gone. I have a secured credit card and have been using only about 20-30% of the available credit paying it off each month and then charging back. I also have a car loan that is in current standing and has been for about a year. My score hasn’t budged in over a year. Help! What can I do? I think within the year I will have the available funds to pay off my vehicle loan (should run thru 2017, but will pay off in early 2014). Will this help or hurt?

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