If you have to many cards or credit , that can affect you or if the cards are maxed out or higher then 40 % . You need to have a good mixture of credit ( 2 credit cards , maybe one loan . I've noticed cars dont build your credit very fast. It's best to pay off your cards right away and not keep a balance. Even not using them at all can build your credit faster. Never close an account, because that will ding your credit. The more money you have available on the card , the more the creditors see you are responsible and your credit will improve much faster. Dont become a slave to debt . If you cant pay it off at the end of the month, it's best not to have them. It's very easy to put money on the card , but very hard to pay off due to the interest. It's best to pay off your lowest card first and then add that money to the next until they are paid down and keep adding those payments to the next. Never pay the minimum always try to double or triple .
