Another big factor called credit utilization will affect you credit score as large as 30 percent, which is a ratio that compares your total debt to total credit. The balance will hurt your credit score directly depends on whether it is high or low. If you have maxed out credit cards, you will need to spend a big fee for the score points. Get high balance below your account limitation and then pay the whole balance off. If the balance is less than 30% (10% is even great) of the credit limit, you will have better credit score.