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Are you maxed out? Many scoring systems evaluate the amount of debt you have compared to your credit limits. If the amount you owe is close to your credit limit, it’s likely to have a negative effect on your score.
Вот очень полезный сайт с очень полезной инфой от Financial Consumer Agency of Canada. Написано простым и доходчивым языком.How many credit accounts do you have and what kinds of accounts are they? Although it is generally considered a plus to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many scoring systems consider the type of credit accounts you have. For example, under some scoring models, loans from finance companies may have a negative effect on your credit score.
http://www.fcac-acfc.gc.ca/eng/publicat ... eTOC_e.asp