Payment history. This, along with public records (see below), generally accounts for approximately 35% of your score. A record of late payments on your current and past credit accounts will typically lower your score. Being consistent about paying on time can, over time, have a positive impact on your score.
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Hey I mean twain wants some credit. Also it was probably irony, most books don't have characters reference the author.
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Before the test we have studied enough to pass it.
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THE BEST ANSWER WOULD BE ''PLOT''
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