3. The length of your credit history. In general, the longer you have had accounts opened, the better. The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.
Keep paying down your credit cards. If you alot $500 per month to pay different credit card accounts, when you get one paid off, up the amount that you are paying on another account, but still keep paying the alotted $500 amount. I would also suggest paying the smallest amounts off first. For some reason, it gives us a better feeling when we can check off an account paid off, then start working on whittling down the other accounts. You'll get there, you just need to be persistent.
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