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one thing I remember reading from susie orman is that some of your credit score is based on its age. If you cancel your oldest cards, it brings the age of your credit back some (or a lot, depending on the number of cards you own.)
Instead of cancelling old card, put them in a drawer cut up so you don't use them. Do this until your credit is in better shape, then cancel.
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"I know the pieces fit, cause I watched them fall away."
"Cold silence has
A tendancy to
Atrophy any
Sense of compassion."
MJK
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