| http://www.w3.org/ns/prov#value | - The amount of new credit you apply for affects 10% of your score, and the types of credit -- retail accounts at Sears (NYSE: SHLD ) or Federated Department Stores' (NYSE: FD ) Macy's, installment loans, etc. -- has another 10% impact. (here is more detail on how lenders keep score.)
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