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[quote=Anonymous]According to credit Karma I have a Vantage score of 785 which is driving me crazy because I pay off my credit cards in full every month and have never been late for anything (I am 41). They say my score is low b/c I am not utilizing my credit cards enough and my credit history is not long enough. I find the credit history thing odd because I got my first CC at 18 and I have had a mortgage for 11+ years.[/quote]
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