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is it time to dump credit Karma?
So let's see if I use credit cruncher my score goes down if I transfer balance yet in an article on your site it says it's a wise move (I sgree) to transfer and score will go up, credit cruncher also says score will remain the same no matter how many on time payments you make. There is to much conflicting information on this site now for whatever reason, I also have noticed that when I make a CC payment of $100 updated report shows -$36, sorry but account was paid off and 0 interest, so that's you or CC company

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