luminaire Offline Upload & Sell: Off
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I'm not particularly familiar with how credit scoring works, but would paying-off the lens not count as a good thing?
I've had difficulty in the past because my credit score was 'thin file', which apparently meant the only credit history I had was my mortgage. I was "advised" to take-out credit cards and loans to improve it!
I will never understand the world of finance, despite working in it...
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