Understanding Credit and how to increase your credit score.

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Actual Credit Scores are not the same as popular free estimators. 

To keep your credit score increasing you want to have less than 30% balance of the high limit.  So a $1K limit card you want to have no more than $300 on the card.

To increase your credit score, don't close old credit accounts as the longer the history the higher your score, you want to keep old accounts active.