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This is the least exciting part of credit… but it matters if you’re planning to buy because payment history is 35% of your FICO Score. If you’ve ever wondered “Okay, if I’m consistent with payments… what does that look like in terms of my score?” — this is a simple way to explore that without guessing. In the myFICO Mortgage Score Simulator, you can run the on-time payments scenario and see an estimate of how that pattern could affect the FICO® Scores commonly used in mortgage lending (and it wo
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