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I recently paid off my car loan a year early, and my credit score decreased by 10 points. I still have a good score, but now I only have 3 credit cards for debt (4-6 years of history). I am not planning to take out a mortgage this year, so, any ideas as to other ways I can increase my credit score? I don't want to risk opening another credit card (even though I wouldn't use it) in case it gets denied and that goes on my credit history.

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