Credit repair for control
You already figured out that the major impact to your credit score comes from your credit cards more than everything else. Although accounts and expenses matter, these little plastic devils are the ones that can deteriorate the credit score and make the need for credit repair or control more than urgent. Do not apply for loans when having a packed credit card because you might lose some good 100 points from your credit score. Remember that with a good credit repair you can bring your balance fewer than 30% of the limit of your card and optimize your overall score.
