The first is how mortgage rates are determined, followed by the effect on mortgage rates by the U.S. Federal Reserve Bank. The only correct answer is mortgage bonds or mortgage-backed securities. Mortgage rates are not based on the 10-year Treasury Note.
You don't go from a great score at 20 percent credit utilization to a lousy one at 21 percent. There's no hard-and-fast guideline, Sprauve says. But I think that if people stay somewhere between 10 and 20 percent range, that's a good place to be.. It's still true that you shouldn't go rack up debt on any one card.
Keep the Account. A full 30 percent of a FICO score is based on credit utilization, a comparison of how much you owe to how much credit is available to you. A low credit-card balance shows that you can resist the temptation to spend yourself broke.A big balance shows poor spending habits.eep the Account. A full 30 percent of a FICO score is based on credit utilization, a comparison of how much you owe to how much credit is available to you. A low credit-card balance shows that you can resist the temptation to spend yourself broke.