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At the beginning of each calendar month, the balance of the master account is distributed between the two sub accounts.
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If your score is not as high as you'd like, paying off old bills (like credit card debt) and paying all bills on time for six to nine months should bring your score up and help you get a better interest rate.
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The Bureau invites comment on whether this timing requirement should be included, or whether the requirement for lenders to provide the consumer rights notice before obtaining a consumer's reauthorization under proposed § 1041.
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