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Don't know if this will help, but remembered reading this thread that seems to be on a similar topic:
http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=102431
Hope that helps! GL
P.S. Just tryin to help!
@Anonymous wrote:The TU score (625) I get it from their website (I think is FICO).I have the cash for the TV but I want to go with something financing/CC to improve my credit score.You have some advices???Thanks for who already reply.