Here's everything you need to know about credit scores and how they are calculated:

http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx

And here's another good reference site - Clark Howard is the man. Somewhere in there he references to make sure you are not using more than 1/3 of your available credit, as that can cause a big hit on your credit rating.

http://clarkhoward.com/library/tips/credit_scores.html


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