Like I said, it's a low impact factor, but it still is. And I'm not saying this is "my experience" it's just one of the factors. Also credit lines could be an

Like I said, it's a low impact factor, but it still is. And I'm not saying this is "my experience" it's just one of the factors. Also credit lines could be anything from retail credit, mortgage, car loan etc. All apply. Compared to paying every month, utilization, past default etc. it's a low factor, but it still is.