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two. Amounts Owed (30% of your respective FICO rating): Financial debt can harm your rating, nevertheless installment loans (like university student loans) will help, given that you make ontime payments. Your financial debt utilization ratio (the level of credit score you might be making use of, in comparison to the amount to choose from) is also essential. You really should only use about 33% of your respective to choose from credit score.
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