WHAT FOLKS WITH GOOD CREDIT DO RIGHT

Have 4 to 6 credit card accounts with an average of 10 years or more credit per account.No late payments in seven years and at least one installment loan with excellent payment history. They have no bankruptcies, foreclosures, charge-offs or collections and fewer than 3 credit inquiries in the past 6 months. The debt level is no more than 35% of over credit limit per account.