Do you want to be able to control and raise your FICO score so you can better qualify for your purchase of a home?

FICO scoring is like a game and the consumer controls 1/3 of that game. 30% of the credit score is determined by the total amount of revolving credit such as credit cards and department store cards that the consumer has.

For example; if you have a credit card with a $5,000 limit and you owe $4,800 against it, your credit score will go down. If you only owned $1,500 against the $5,000 limit your credit score will increase dramatically.

You will be amazed on how the credit score will change up or down with just controlling the amount that you charge against your credit card. Remember you are the one who controls that number.

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MsGrant May 25, 2010 @ 9:49 a.m.

Remember, though, that the variables work in strange ways. If you have a credit card with a large credit line (say $30,000.00), which they give you because of your good credit in the first place, then only charge maybe a couple thousand and pay it off every month, this can also drag your score down, as you have the potential to accrue a substantial amount of debt if you choose. Requesting that your credit line be reduced also has a negative impact on your scores. Some factors used to determine FICO scores make little sense. It really should be based on your history of making your payments on time, but they use risk-assessment factors in their determinations.


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