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Fixing my credit score with paper statements beats the apps and it's not close
Every finance app I tried had me obsessing over small swings in my score, so I switched to just checking my two card statements on paper once a month. My score went up 60 points in 5 months because seeing the actual due dates and balances on paper made me pay everything early. The apps buried the one thing that mattered under notifications and graphs. What actually moved your score more, watching it daily or just paying early?
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