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what else can I do to raise my credit score?
I started with a 597 Transunion score in March 2012.I've paid off all my accounts and recently paid a charge off of $167.I have a secure credit card for 10 months and always paid on time only spending about $50-$80 a month.My credit is now at a 639 but its not really moving.I'm trying to buy a house this year but I don't know what else to do to raise my score.I'm working with Lexington Law credit repair company but I feel like I'm paying them for nothing.

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