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This mortgage company in the Charlotte area is about to get bigger and add jobs What are current rates on small commercial loans (Charlotte area)? Newest Posts. What are current rates on small commercial loans (Charlotte area)? 15 Replies. or ask a mortgage broker if they can get you a fixed loan now. Some mortgage brokers have access to quite a variety of lenders.

Jose Luis Pelaez / The Image Bank / Getty Your credit utilization, a ratio that compares your total debt to total credit, is the second biggest factor that affects your credit score.It’s 30% of your score. The higher your balances are, the more it hurts your credit score. Having maxed out credit cards costs precious credit score points (not to mention costly over-the-limit fees).

[Disclosure: Credit.com and CreditRepair.com are both owned by the same company, Progrexion Holdings Inc. John C Heath, Attorney at Law, PC, d/b/a Lexington Law Firm is an independent law firm that uses Progrexion as a provider of business and administrative services.]

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First the basics, five factors comprise your credit score, according to CreditRepair.com. (See graph below) Not all debt is the same and some is considered good’ according to Scott Smith, president.

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