Your FICO score is made up of many factors, some more important that others. It's important that you understand these items.
It's the entire picture that counts, not just a single positive or negative item.
It's not just your credit report or FICO score that counts, lenders look at other factors too in determining to issue credit.
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Take a look at the breakdown of the FICO score. You'll see for example, that the Amounts Owed is more important that the Types of Credit in Use.
