What affects your credit report?

What’s Your Credit Score and How is it Calculated

Payment History – How you pay your bills - 35%

Specific types of accounts (credit cards, retail cards, loans, mortgage,)

Presence of adverse public records (bankruptcy, judgments, suits, liens, collection items)

Severity of delinquency (how long past due) and amount due on collection items.

Time since and number of past due items on account.

Number of accounts paid as agreed.

- For the entire list Click Here (.pdf file 64KB)