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I don't work in the lending industry, so I can't tell you exactly what goes into the formula when calculating how much credit to extend someone. However, I can tell you what I've found to work well for me and my hypothesis for each of them.

  • Don't carry too many high balances. A credit card representative told me this once, but one of the numbers they use in order to calculate how much credit to give you is the percentage of your total available credit that you're using. If you have $30,000 in credit but have acted on $29,000, the lenders will see you as being high risk for not being able to make payments. What I do is keep a large number of accounts open so that my available credit is significantly higher than what I'm acting on.
  • Don't close accounts too hastily. It is a myth that having a lot of credit cards lowers your credit score. However, closing them does, especially if they've been open for only a short period of time. Credit card companies will also see the short account-open times as being a sign that you're taking advantage of their introductory offers. It's also good to have accounts that have been open for a long time, since that is a sign of stability. I generally keep the accounts that have a high credit line and those that I've had for a long time. I do occasionally close accounts, but I make sure that they're spread out over time.
  • Keep your credit report clean. This one should be obvious, but make sure you don't add any marks to your credit report. This means paying your cards on time and steering clear of collections agencies.
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