| http://www.w3.org/ns/prov#value | - year, said Paperno.FICO focuses on five categories when calculating your score: How much debt you have, your payment history, your debt utilization ratio (how much you owe in relation to your credit limits), how far back your credit history goes and your mix of various types of credit.Here are a few things that can wreak havoc on your score and wreck your chances of getting an affordable loan:1.
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