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Payment history is the biggest influencer of your credit scores, accounting for 35% of the scores.)High balances on your credit cards can be bad for your credit scores.

As we mentioned, payment history is the biggest influencer of your scores, but the second biggest is your debt usage.

This means the amount of debt you’re carrying in relation to your total credit limit (also known as your credit utilization ratio) is going to weigh in on your scores.

Are you someone who feels like you’re progressing when you can mark things off a list?

Once you pay off the card with the lowest balance, you move onto the card with the next lowest balance, and so on.

It’s quicker and easier to pay a 0 balance down to zero than a ,500 balance.

Gather up all your credit card information for every card you’re carrying a balance on.

Make note of the balances, interest rates, due dates and minimum payment for each card. The Experian Report showed that the average consumer has 2.35 bank cards, carrying an average balance of ,551. Do you have lots of balances spread out over lots of different cards?




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Was I far too free and happy and unattached for the guys who feared me 'putting ideas' in their wives heads? With so many people of our generation turning to online dating to meet a new partner how do you write a profile that will stand out from the crowd? Those were the questions I had when I was online dating.


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In this article, I will review some more first dating emails based on advice I gave to a reader.


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You can upload six photos of yourself and even a video (we'd hate to see what sort of grim content goes up there).