Credit scores can be very confusing about how they are determined. The #1 item is payment history that accounts for 35% of your credit score. If you declare bankruptcy, have judgements, collection accounts etc it will hurt your score. The #2 item is maxing out your credit. Do not live beyond your means by maxing out your credit cards. This accounts for 30% of your credit score. Credit history accounts for 15% so do not close any accounts that help establish long term credit. And finally at 10% each, credit inquiries and not having a mix of credit can hurt but at 10%...not too much.
I hope this helps.
Wythe
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