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It does matter how much you owe, even if you have to much credit availible
(ie credit cards) it can lower your fico score.
Also how many times you apply for credit (searches) lowers your score somewhat.
You have to carry some loans but keep it in proportion to your availible credit to have a high score.
I am sitting at 790 at present, it gives you some geat bargining power at the bank
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My God there's Porn on here!
Still on the Beach !!!
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