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" ... And if you're thinking of getting out of the credit, algorithm, machine learning maze altogther as you prepare to move and simply cancel a few credit cards, think again. Exiting this network may be harder than leaving the mafia in the old days. "It might seem logical to close cards to stop any problems from happening," says Gloger. "But keep in mind that banks use an algorithmic parameter called a 'Credit Utilisation Ratio' which might change your score drastically when you close a credit card. This too can impact your score and sway those you need to persuade for housing." ... "