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I think it's all about the amount owed/total credit limit percentage. Ideally, supposedly, around 5%. You can get dinged for too many accounts or too few. You can pull all three credit bureaus for free without an inquiry showing once a year through AnnualCreditReport.com, the website created by the bureaus themselves. I'm not sure if you can see the top reasons your score isn't higher (no matter how trivial they are), but that will identify why your score isn't higher.
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