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Paid off all my credit cards - now what can I do to increase my score?
I am wanting to buy a house in the next few years and right now my score is TERRIBLE. I made a lot of mistakes when I was younger but I have now paid off my credit cards (leaving some open - about $6500 in credit), my collection accounts, and my DTI is below 30%. I can't seem to get my score above 615. What am I missing/what can I do?

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