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Originally Posted by Lady Sage
Having worked in the credit industry alongside banking both are true. We look at the following:
1) can you handle the credit you have
2) are you late
3) do you pay more than the minimum
4) how much do you owe vs. what do you make (aka. debt-to-income ratio)
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And all of that feeds into the magical score! You can easily keep up with your score by having a subscription to something like identity guard or one of the other companies.