Joel,I have looked at this more then you might understand. Call me a professional when it comes to managing my credit score.What will help is to site that has the simulator. It can show how different levels of debt and number of accounts impact things. It takes you specific situation and then lets you vary the details.I started managing my credit score in 1983 when I started investing in RE. I have also worked for a credit card company plus some other banks so have inside knowledge of the score cards, etc.John
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