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One more thing...
Do I have any recourse with the FICO on my credit scoring? I have asked for an explanation on why my credit score is lower now after 2 years of good activity than it was when I didn't pay my bills at all and all they have said is "that is how the computer scores you". I feel like that the score should be easily explainable and not so esoteric.
I AM VERY FRUSTRATED AND CAN'T SEEM TO GET AN ANSWER!!!
Thanks for any help.
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