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18. What Credit Card Companies Don't Want You to Know with Credit Expert Vrinda Gupta
Financial Feminist
Credit Scoring
The way i think about how credit scoring is created is thinking about if you would lend money to a friend. And so they're different factors that go into credit scoring. One of them is your length of credit, right? Have you had credit products before? Are you paying it back in full? Am and so you want those answers to be yes, rit. The third which is kind of an interesting concept, is this credit utilization concept. So what we would always say is, keep your credit below ten %, five% every single day of the month.
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