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45: Not enough balance paid down over time on retail accounts
A retail account is a bankcard issued by a retailer. The amount that has been paid down on your open retail accounts is low. People who haven’t paid down much of their retail account balances are higher credit risk than people who have.
What you can do:
Whenever possible, pay down balances on your retail accounts. Over time this will have a positive impact on your score.
A HIGHER LEVEL OF CONFIDENCE
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