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.
How many credit accounts you have weighs in as well. Having too many credit accounts can lower your score, but by how much hinges on the rest of your credit profile. Bear in mind that each time you open a new credit account, your credit score can take a hit.The length of your credit history accounts for about 15 percent of your FICO score.ow many credit accounts you have weighs in as well. Having too many credit accounts can lower your score, but by how much hinges on the rest of your credit profile. Bear in mind that each time you open a new credit account, your credit score can take a hit.