Every one should know that all of the credit score algorithms call for at least a 3 – 6 combination of credit cards or bank loans like car loans, home loans, personal loans. The banks must report to the Equifax credit bureau, Trans union credit bureau and the Experian credit bureau. Paying off collections, utilities or making on time payments for cell phones, cable bills, water bills or rent do not count as a way to get good credit or good credit scores.
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