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It was really hard the first time I looked at my 568 credit score. The day I discovered myfico is the day my credit life changed.
Dont feel bad, TU deleted my Cap1 auto loan out of the blue last week. 48 pts gone. Cap1 is fixing it now. I cant dispute somehing if it isnt there. Of course Equifax followed the next day. Over a year and a half of no lates, pays on time, Go figure.