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TXW55

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need to raise score

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So address what's deficient with your credit profile.  Start with the factors that have the biggest impact and work your way down.  If you have derogs then carefully research what you can do (as you can make matters worse in some cases) to address them.  If your revolving utilization isn't in check then get it in check.  Most other factors just take time and responsible usage to build.

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