here is a little info on the illusive credit score model. I for one had heard it said that it was not good to have credit cards with high limits. this I learned is FALSE, as a high limit with none of it used INCREASES your avalable credit to used credit ratio. I also learned that it IS good to have multiple sources of credit (at least 3) as this is required to come up with an average.
and.. to the young among is, did you know the credit score was not utilitzed in aquiring a home mortgage until the mid 90's? our forefathers and grandfathers didn't have to worry about this crap!