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Advice
Understand Your Credit Score
Several factors go into creating a credit score. It's important you understand how your score is determined.
  • 35% Payment History - how you pay your bills (on-time or delinquent) with greatest emphasis on recent pay history
  • 30% Available Credit - amount of money you owe and the amount of available credit you have
  • 15% Length of Credit - the longer you've had credit, particularly with the same credit issuers, the better
  • 10% Credit History - New credit applications and debt accumulations in the last 12-18 months
  • 10% Credit Mix - the best scores have a mix of installment credit, such as auto and mortgage loans, with revolving credit such as credit cards