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they do not use them.They look at your report in deital, along with your salary and time of employment. They make their own judgements.Even so, the fico does give you a good idea of where you stand. The score is for you not for the major lenders. To improve it get a gas credit card and pay it in full each month the second you get the bill. Carrying a balance harms your credit and can destroy your rating.Know how to clean up your report. annualcreditreport.com is the only place to get them totally free. Pay off immediately with a request to them to put paid in full on your credit report. Write on the memo of your money order to pay in full for acct #123 . Do not send them a check they will get your checking account number./
