CREDIT SCORES
The fastest way to lift your score
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01
Common target
Divide total card balances by total credit limits.
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02
For top scores
Common among people with excellent credit.
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03
FICO weight
Amounts owed, including utilization, is about 30% of a FICO score.
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04
Before the statement closes
Issuers usually report your statement balance.
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05
Old cards
Closing a card cuts your total limit and raises utilization.
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Lower it fast
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