Sounds a but counterintuitive, but as I just mentioned, one of the biggest factors of your credit score is the percentage of used credit vs available credit. The lower the percentage the better.
You Need to Do Your Personal Bookkeeping (Like a Business)…and You Hate It…Now What?!?
Top 5 Personal Bookkeeping Software Options: Personal Capital vs Mint vs Quicken vs Money Dance vs Countabout