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Whereas every bureau is different, the major issues they think about are constant, which are your fee historical past, the number of credit accounts, the kind of credit score accounts, how much of your obtainable credit is used, the size of time you have had your accounts, your latest credit score activity and in case you have an account that has gone to collections, a foreclosure or a chapter.  my website -  http://locast.mit.edu/healthdiary/user/68341/