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jvdwsb

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I have never been late on a payment why is my score under 700 that does not seem accurate

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That is just one factor in regards to your score. Other factors such as age of credit, balance to limit ratio, etc., all have an effect.

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While having positive payment history helps it's just factor to consider.  You need to review your reports and see what's going on.  We don't have access to your reports.

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