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Surprised that my score is not in the 800's, How are scores calculated?
We only use one card to pay for and track our expenses, and that is paid in full every month. One other card is used only when our preferred card is not accepted by a retailer. Other than that we have no outstanding debt and do not have past poor credit history. We plan a new car purchase and wonder if a score in the 790's will allow us the best bargaining tool for interest and payments.

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