I got about three letters spread through last year saying my account would be closed if not used within 60 days. After each letter, I charged around $150 and paid in no less than 3 months' time. That forces each creditor to report my account as being paid on time, over three billing cycles. Score is going to zigzag doing that period and that's okay. I know at the end of the year my file will have a bunch of paid on time reports with zero balances.
Those are things I look for on credit reports. They are usually always accompanied with good FICO scores.
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