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Make selected stay on top of your debt. Be careful to make timely payments and eliminate accounts before they are late or go to collection. Don't overextend yourself in a manner that it hurts the likelihood of making timely payments. If you have old late pays that can't be disputed off your credit report, be aware time does heal old wounds also score increase given that no new delinquencies are reporting.

The number next into the letter indicates the number of months that the bill has not been paid up to the 4. For instance, a rating of R4 or I4 has not been paid for four the seasons. Any rating that is R5 or I5 and beyond signifies that the account is in consolidation, repossession or extension. An account with a R9 or I9 is actually in traditional.

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