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Richard9091 wrote:

I just wanted to write a thank you note to this forum.  I didn't realize I was basically credit ignorant.

I had pretty well paid my bills on time for years, but I had high utilization.  Based on info from this forum I learned this was one of the worst credit management mistakes. I paid off most of my credit cards.  I also had an incorrect collection being reported that was removed.  My equifax went from 650 top 784 at one whack..  Thanks again.   I just hope the other agencies follow suite.

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