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  1. I used the credit score simulator from three different credit monitoring sites and my score decrease for on time payment on mortgage. The reason I am not paying the mortgage late is due to a current law suit. Due to the damage on my credit report I tried the simulator to see if it will improve my credit score if I paid on time. All the simulators are showing a lost of about 30 points. Is that accurate? Why is this? I thought paying on time even after late increase your credit score. Can someone please help?
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