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B. Amounts Owed (30%): Explanation: This factor considers the total amount of debt you owe and your credit utilization ratio, which is the amount of

B. Amounts Owed (30%): Explanation: This factor considers the total amount of debt you owe and your credit utilization ratio, which is the amount of credit you use compared to your credit limits. Details: High credit card balances and maxed-out credit lines can hurt your score. It is generally recommended that you keep your credit utilization below 30%

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