Most credit card repair companies want you to believe that past collections on your credit report matters the most. So you will pay them thousands of dollars to remove past collections from your credit. The truth is they are not doing anything that you are unable to do yourself.
There are five factors that determine your credit score.
Factor # 1 average age of the account factor 15%
Factor # 2 the amount of revolving accounts and installment loans factors 10%
Factor # 3 the number of times
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