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My fico is 680 I have 1 loan on my report for $2,550 that was paid in full 5 years ago no late payments. I have 1 store credit card with $650 credit limit and $24.00 charged on it, this account is less than 3 month old and of course this account has no late payments.
Add a few trade line then garden. Do all at once so they aged .......