1. Mar 11, 2002 #1
   

   Illini Well-Known Member

   Besides late pays, etic, what is single other factor that is most important in raising scores?
   
   Illini

    

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3. Mar 11, 2002 #2
   

   bailey Well-Known Member

   LOW balances.

    
4. Mar 11, 2002 #3
   

   Illini Well-Known Member

   What if you have closed accounts which still have balances. What effect does this have?

    
5. Mar 11, 2002 #4
   

   bailey Well-Known Member

   That is NOT good. B/c closed accounts I don't believe scorewise include your limits, so you have balances and your limits aren't factored into your scores, this can be bad for your overall ratios and hurts your scores. You really should never close an account until the balances is paid off.

    

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