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bamsie

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Why not higher score? Owe nothing!
I should have EXCELLENT credit, owe nothing, usual monthly bills (CPS, SAWS, etc.)
are paid same day I receive them. WHY not a higher score rating????

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your answer is "good question?"

Why isn't my score higher when I pay monthly bills ON TIME

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To get credit you have to use credit. Most monthly bills do not report to a credit agency. Try getting a card and paying your monthly bills with that card then pay the card off each month. This will build your credit.

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