two. Amounts Owed (30% of the FICO score): Credit card debt can damage your rating, even though installment financial loans (like scholar financial loans) may also help, as long as you make ontime payments. Your personal debt utilization ratio (the quantity of credit history you happen to be implementing, compared to the amount attainable) is likewise vital. You'll want to only use about 33% of your respective to choose from credit history.
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