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P96: You have few or no collection agency account balances
Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has no or few accounts that have been sent to a collection agency and remain unpaid, which increases your score.
What you can do:
Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time.
A HIGHER LEVEL OF CONFIDENCE
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