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Why isn't my score going up?
My score has been stuck at 590 for over a year. I have made all payments on time. My credit utilization is 12%_15%. I paid off a car loan and bought a new one( with a co-signer) I have 4 open credit cards on my report , two are authorized users on my wife's. I do however have 6 hard inquiries. What else can I do to increase my score?

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