two. Quantities Owed (30% of one's FICO score): Credit card debt can harm your score, although installment financial loans (like college student financial loans) can certainly help, providing you make ontime payments. Your personal debt utilization ratio (the quantity of credit score you are applying, in comparison to the amount obtainable) can also be important. You might want to only use about 33% of one's obtainable credit score.
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