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 Because there’s only so much you can take of being told to “pay your bills on time.” Roman Samborskyi / Shutterstock.com

Credit scores are important for anyone with a credit card, mortgage, car loan, job and more — or anyone who wants those things. Many confusing details can bring your score down for a long time, and consumers often get the same old advice on how to fix it: Pay your bills on time, dispute errors on your credit reports, leave cards open even if you’re not using them. All of those things are good tips…

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