To Raise Your Credit Score, Start by Understanding It

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The nuance in credit scores comes from the elements beyond simply paying what you owe on time, although there is less transparency with these other factors influencing your score. The second-largest part of your score’s makeup belongs to how much you owe.

 https://www.wsj.com/articles/to-raise-your-credit-score-start-by-understanding-it-11548010800