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What is causing my credit score to remain at 637? Payments 100% on time, CC utilization 21%!
I really want to buy a house, and I want my score at 660 so that I can get a decent interest rate thru my credit union. I have really improved my score over the past year, but it will not budge higher than 637... I have gotten my credit card utilization down to 22% and my payment history is 100% ON TIME. I have 5 hard inquiries in the past 2 years, could that be it?

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