It's all magic voodoo and made up numbers!

Personally, I think ppl put too much emphasis on credit scores anyway (not a reflection of the article). Nonetheless, this article is informative.

Good stuff.

I see people every day who have unknowingly destroyed their credit by believing some of these and a few others.

Remember just making your payments on time every time will get you into the 650-750 range.

Use less credit than you have available can make a difference, try to keep it under 50%.