The amounts you owe account for 30% of your FICO credit score, and the dollar amount of your debt is a factor there. Another factor is your credit utilization ratio, or the percentage of your available credit that you’re using. A good rule of thumb is to always keep your credit utilization ratio below 30% — both on a per-card basis and across all cards. Adding a new card with a new line of credit reduces your overall credit utilization best credit repair in fortworth.