Bristol-Myers Squibb and the Otsuka Pharmaceutical Company market Abilify as an add-on treatment to other anti-depressants and as a treatment for other mental illnesses. But the blockbuster drug is also linked to serious side effects like suicidal thoughts, sexual dysfunction and compulsive gambling.
Use Less Credit. While you can lower your credit utilization by increasing your credit limit, you can also attack the other side of the issue. If you have 40 percent utilization due to a $1,000 balance and a $2,500 limit, spending or owing less on your credit card will have the same impact as raising your credit limit. Cutting your credit card balance back to $600 will reduce your utilization to 24 percent and may improve your score.
The less available credit you use -- or the lower your credit utilization rate -- the better. So if you have $500 in credit card debt and a $1,000 total credit limit, your credit utilization ratio is 50 percent.However, if you open another card account, which raises your total credit limit to $2,000, your credit utilization ratio drops to 25 percent, which could help your score.our payment history makes up 35 percent of your FICO score and is the most influential factor in your VantageScore. If you're making late credit card payments -- or not making payments at all -- your score will suffer. But if you always pay your bills on time, you can give your score a boost.