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In response to
"I understand closing credit lines can ding your report"
by
2 Geisty for my Zeit
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NPR report interview said the really only thing you can do to improve credit score was to pay off consumer debt and keep using/paying it
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havin a huge load to pay every month hurts. OTOH, using your card to pay most of your expenses and then paying it each month is good.
I'm pretty sure there is a correlation between income and debt load.
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