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If you would get all your current open cards below 50% balance to cl, and ideally at around 35% you should be in the mid to upper 6's.
Is the score a FICO score or a score from Experian's site?
NCO is pretty easy to remove. I would DV all the CAs and dispute with the bureaus.
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How come "phonetically" is spelt with a "ph"?
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