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Originally Posted by odie23
Lot of wisdom here. Remember you are entitled to get a "free" credit report once a year from the three major credit reporting services. However, make sure you go through the gov web site for your credit request form.
Those companies that advertise free report reports require you to "pay them a membership fee" before they give you your free credit report, so it really isn't free.
In addition, to drive your credit score up even higher, close out all unused accounts. The credit reporting firms go on the premise that you "could" go out and max out an open account (even if you have a $0 balance or always pay your bills on time).
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Not necessarily. Though it’s true they go by what you “could” max out. They also go by the length in time you have had credit. So if you have an old credit card and cancel it, your score can actually go down.