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My Score is Stuck at 610. What Am I Doing Wrong?
I'm paying all my bills on time,
credit utilization @ 3%,
$10k+ total credit lines,
2 car loans,
100% on time payments for 3 years,

...but a foreclsure and bkrpt on my report as the result of divorcing my wife may be holding me back. I feel like I'm doing everything right, but my score is stuck at 610. Am I missing something?

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