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New Credit

Updated: Apr 9, 2019

New credit makes up 10% of your credit score. The FICO model examines how many accounts you have recently applied for as well as any new accounts you have opened. The model looks at how much time has passed since you requested new credit, and the amount of time since you opened another account. If you open too many accounts in a short period, you will look desperate to the lenders, and they don’t loan money to needy customers. So, try not to apply for more than two new accounts per year.



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