I understand that to optimize one's credit score is to be aware of various ratios:
the number of credit cards I have
the total amount of credit available to me
the % of that credit I have utilized (debt to income ratio)
My income also plays a role but that's not something I can adjust as easily as the above (!)
I understand that other sources of debt (mortgage, car payment, etc) play into some of this.
SO, at a given income, is there a magic combination of ratios for the above that will make potential creditors the happiest?
Thanks,
Steve