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P76: Your credit file has enough history on your use of installment loans
Explanation:
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. A credit file with sufficient accounts and credit history, including installment loans, reflects more experience in handling credit. More experience can have a positive impact on your score.
What you can do:
Maintaining open and active credit accounts in good standing can help improve your credit score.
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