Keep in mind this part of the good credit score makes up 35% of the decision. The next part of the equation is to determine the balances that you may owe on loans or credit cards. If you have a credit card with a $1,000 balance, but owe $950, this does not help you to have a good credit score numbers. Your actual balance in this example would be 95% of your available credit; try to keep it below 50% for each of your credit accounts.