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IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed. ScoreBuilder® is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service. ScoreBoost™ is a payment and spending simulation based on credit utilization from TransUnion®, Experian® and Equifax®.