In most credit score models, credit utilization determines as much as 30 % of your credit score. (creditabsolute.com)
Most credit scores range between 300 and 850, and a balance - transfer credit card may end up decreasing your score by just 30 to 40 points. (valuepenguin.com)
Failure to pay an account as agreed — i.e. settling a debt for less — is considered a red flag by most credit scoring models. (policygenius.com)