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Trebt

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I seem to understand that just paying down my credit cards wil bring up my credit score?

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It is possible that alone will help, but how much depends on many factors in the whole of your report.  Any reduction in usage of available credit helps your score.

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If you take the time to read the articles that are put on this site for the education of those who want to learn about credit and how to build a good score, you will find all the information you need to help raise your score. 

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