How high can my credit score climb if I have only credit cards in my credit history?
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You don’t need an installment loan. More often than not, they pull you DOWN. Who told you that? If you are looking for the free credit score national site, check out this site
http://Free-Credit-Score-National.com/
Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.
Hope this help,