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not very....it will go up over time say 3 -6 months.....If you really want to see change get a secured cc and utilize only 30% of the cc loam limit and pay it off on time...Your FICO depends on the lines of positive credit you have reporting. Since, you have paid off old debt which in effect lowers your score you must get more credit (to show how well you pay debt) since the debt you paid off was factored into the scoring model as a slow payer/risk.
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