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I have a judgement that will be 7 years old on October 1st. After 7 years it drops off your record, right?
So how much sould my score increase once that happens?
the second question is, is it better to have 10 cards, 5 with no balances and 5 with balances of 50% or more.
Or is it better to have 10 cards, and all 10 having balances of 33% to 50%