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I know that most lenders use the "what if" program but it isn't always correct. When I needed to up my scores to qualify, I was told to do this and that according to the program. It wanted me to do things in steps and wait like 3 months for the scores. Well I didn't have 3 months so I just paid off my credit cards, waited for them to report and they went up like 50 points each.

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