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Reply to "What are some really effective ways to boost a credit score?"

@Briana It is a balance, you want to keep your credit utilization low, you don't want to have too much credit, and you don't want to have too little If you have too much then closing an account is fine, just don't close the oldest one, that is actually a factor in calculating your score (at least in the older models).

I suggest using something like creditwise from Capital One, its free, you don't have to have an account with them and it gives you tips!

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