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soulglo31 wrote:
Since the recipe for calculating Fico scores is top secret, how do we know what's the most effective in improving our scores? I recently paid off three collections and I wonder if it will actually make a difference in my score, or am I running myself ragged? Does score improve each year as old debt gets older?
cobra19 wrote:I am still trying to figure out that 50 point bump for an almost-7-year-old collection.