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liziecarter

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I have paid off my credit how will this affect my score?

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It may have a negative effect at first

Paying off all your debt is such a great feeling,  but it will have a mixed effect. Your score will probably drop at first.  Creditors want to see you using it and paying it off on a regular basis.   Now that you have it paid off, only use credit cards a few times a year and pay them off on time.  That will do more to raise your score than not using them at all.  

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