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Welcome, Mick2012

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Joined on 12/4/2011

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Smart SpendingCOMMENT

Credit scores: What matters, what doesn'...

I find the "utilization ratio" complete crap. At the same time I'm paying off my balance, the maximum of open credit changes. I used to have $50,000 of open credit and while I've not charged anything in the past 5 years and have only paid off my balances, my utilization ratio has been affected. So my credit score has g...more
12/4/2011
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