• Your debt to credit-limit ratio.

    It's obvious you need to reduce any debt. In doing so, you'll keep your debt to credit-limit ratio. Get this as low as you can.

    For instance, if you've got $5,000 of debt with a $6,500 credit limit, your ratio is 77% ($5000 divided by $6500). This means you've used up 77% of your available credit. This will hurt your credit score.

    It signals you are living above your means.

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