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Did you know that up to 65% of your total credit score is determined by only a long history of payment and credit system? This means, simply pay your bills on time and paying your debt, more than half their work is already done. Oftentimes, a simple phone calls to your creditors asking for better interest rates, better schedules of payments, or increases in your credit limit can do as much or more to help you in any of the agency could. Also, Did you know many negative items on your credit report May be so old you probably can not be accurately verified and neither, therefore, must be removed from your file by law? One or two simple dispute letters asking the credit bureaus to investigate your credit report earlier entries could literally wipe out most of the negatives of only 30 to 45 days. To learn more on California Credit Repair visit http://www.bestcreditrepair.org