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Why would the simulator show a drop in my score if I increase my "on-time" credit history?
In anticipation of purchasing a new car next year, I am working hard to improve my credit and financial stability, since I now have a steady job that allows for planning. When I entered a 24 month "on-time" payments into the credit simulator, which was the only change I made, it predicted a drop of nearly 20 points on my credit score. Why?

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