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"The proof is in the pudding"

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This is related to the thread I wrote Weird Things that can Affect your Credit Score (http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=258930)

My own bankruptcy fell off my reports this month (10 years of credit purgatory ended!) which moved me from the BK scorecard to the normal scorecard. My score dropped 32 points with nothing else on my report changing.

Just goes to show you that what looks like an improvement can actually hurt you in the FICO model.

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