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*Naw, we ain’t mad at ya, David Howe. As a matter-of-fact, we’re all ears in learning how you managed to do this.

Perfect in anything is hard to achieve, but in credit, it seems next to impossible.

Yeah. Yeah. We know the road to good credit is paying bills on time, keeping low balances on your credit cards, and stuff like that. Some of us actually do that, but still, our credit is a long way from “Perfect.”

So what gives?

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