May 13, 2014 | By Greg Fisher

Credit score nuts and bolts

Amounts owed and the so-called Credit utilization ratio. About 30 is not 30. 30 is 30.

Say there are 30 fasteners, a mixture of 6 types: Nuts, bolts, nails, staples, screws and rivets.

Say there are these amounts of each type:

1 nut
1 bolt
1 nail
1 staple
25 screws
1 rivet
---------
30 TOTAL

Are there are 30 screws?

Are there about 30? Nearly 30? Almost 30?