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For years, we’ve heard that Americans are hopelessly mired in debt, leaving many to struggle with poor credit scores. But in fact, those scores are now on the upswing, according to data analytics company FICO. In August 2021, the average U.S. FICO Score 8 — the company’s most widely used credit score — was eight points higher than at the same point in 2020. Scores are rising in all 50 states and…