ratings are basically made up of the total credit limit debt you owe from what i understand, but i'm me, anyone care to back me up on this one?

so basically the more accounts you have that are active the more credit you have the better you score.... DONT close old accounts, the older the better because closing them may make your credit history seem newer than it is... o well, i think thats what i'd tell you but thats just mee....


someone please tell me politly if i screwed that up before DM comes in a basehes me