It depends on several things.  First off, where did you get your report from?  Some aren't quite as reliable as others and don't truly reflect the information on your CR.  Are they reporting as a factoring company?  This is a tactic they use to show themselves as an OC and give them some of the OC's reporting abilities.  It's not wrong in itself, but can be depending on they do with the reporting.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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