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Understanding Credit
What is my credit made of? The table below shows what factors are used to calculate your credit score, and the actions that affect them.
What is my credit made of? The table below shows what factors are used to calculate your credit score, and the actions that affect them.
Payment History
Make sure you have made your payments in full and on time.
Debt Utilization
How active your accounts are will effect this part of the credit score.
Length of Credit History
How long your accounts have been open. If you are going to close an account DO NOT close the oldest one.
New Credit
New applications for credit might cause you to
be risky and lower your credit score.
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