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Bedsuit

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What is more important to help raise credit scores, high balance, high intrst, lots of late payments

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The best thing that you can do is to do some reading about credit, get the basics and then read some more. You cannot win at a game if you do not understand how it is played. High balances hurt credit, Interest rates have no affect on credit, late payments are very bad for your credit. In addition to reading all that you can about credit, make sure that you are not late with any more payments and work to get your balances paid down.

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