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I haven't had a late payment in years, but my score stays the same?
It has been at least three years since I've paid anything late. Student loans draft automatically, as do my car payment and credit cards (which are under 20% utilization). I haven't applied for anything since I bought my car last year. Why is my score only 8 points higher than it was in 2011? It is driving me crazy! Thank you.

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