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Dealing with those alone will not improve the credit score overall because of the other things that are weighing him down.

Auto loans that go unpaid, and cars being repossessed, result in the cars getting auctioned.

We currently have everything that requires financing in my name...And given the information you shared, that is going to be the case here.Negatives on the credit report tend to have the heaviest impact the more recent they occur.That foreclosure will have less of an impact starting next summer.There is not much you can do about that at this point.

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