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I called to clarify my recent credit report. I spoke with two different customer service representative, I COULDN'T UNDERSTAND EITHER OF THEM. I asked the first three times for an english speaking operator. I finally resolved one of issues, but was unable to understand what effects my credit scores or how to improve them. Their answer was to send me a copy of my credit report which I already have. It only shows a graph and a number - no explanation of what those numbers represent.


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