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In fact, one in 10 Americans are considered “credit invisible,” meaning they don’t have enough credit history to produce a credit score.

Your utilization is calculated by dividing your statement balance by your total available credit.

People with the best credit scores have utilization levels of 10% or less, but at most, you want to stay below 30%.

So, it only took a year and a half for someone to go from being a credit nobody to one of the most sought-after customers in the country. If there is no activity on your report in the last six months, you cannot get a score. You can make a single purchase every month (even for just $1) and that is considered activity.

One of the most important components of your credit score is utilization, making up 30% of your FICO® Score.

At that point, she applied for a rewards credit card.

It had a great sign-on bonus and a frighteningly high ,000 credit limit. In order to have a FICO® Score, you must have activity on your credit report in the last six months.How the Discover it® Secured works There is a typical 0 security deposit, but you can receive it back if: 1.You pay your balance in full and close your credit card account, 2.If you pay the balance in full, you will not have to pay interest.And there is nothing more ridiculous than paying interest on a secured credit card.This factor alone comprises 35% of your FICO® Score.

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