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From my understanding there has been a lot of changes in the way they calculate credit score now. Having several types of credit help (car loan, credit card, mortgage etc...). Being a co-signer on someone else card now no longer helps as much as it did, since people would literally sell their good score make you a co-signer with no real authority for 3 months then sell your spot to someone else. I no there was other changes, just do not recall them all offhand.
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