Your payment history is not the only important part of your credit report and score.  The available credit on your cards will also have a tremendous affect on your FICO score.  The good news for you is there is no time line …

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Facebook isn’t just for friends and family anymore. Insurance companies have been using the social networking website to catch disability insurance cheats, and spouses are spying on their soon-to-be exes, looking for dirt to increase alimony, or win a child custody battle. Well, now there’s a new wrinkle: Courts are using Facebook to serve legal papers to announce, say, that you’re being sued. Or that your bank’s foreclosing on your house.