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lukehand

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I paid all my debt off and my credit score is stiil the same after 3 months

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There could be some things such as late payments still on your reports.  When these drop off (7 years from the date they were taken care of)  then your score may raise.  And it is not unusual for the credit score to remain the same for some time.  You might want to re-read the articles on this site so you can refresh your understanding of how credit works.

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