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  • Great information but outstanding balance to credit limit ratios play a huge role when looking at credit issues.

    tntdee110 3 years ago

  • Thanks for the cool comment. Thanks for watching. You are right about outstanding balance.

    But we feel payment history covers how timely you've paid down your outstanding balance.

    Thanks again.

    J.

    TheWarOnDebt 3 years ago

  • I don't think softs have any impact at all since no one else can see them.

    FPapiSalOC 3 years ago

  • You left out one major thing. High utilization will tank your score.

    mdszymanski 4 years ago

  • Good point! Creditor's call that being 'Top Heavy' or "nearly maxed out".

    TheWarOnDebt 4 years ago

  • Also refinancing and loan deferments will lower your score too.

    Vulture629 3 years ago

  • Excellent presentation on how your credit score is determined.

    stardess 4 years ago

  • Thanks! We appreciate the feed-back.

    TheWarOnDebt 4 years ago

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