While there are 22 criteria that determine a credit score, they can be narrowed down to 5 ‘key’ criteria. Let’s look at what each category measures and some of the primary ways you earn or lose points for your individual score. 1)    Payment History – This represents 35% of your credit score and is the history of Read More >

There are 22 criteria that determine a credit score and the formulas that each credit bureau uses to calculate their respective credit scores are a closely guarded secret. Some of the criteria are fairly obvious, but most are not. You can achieve a higher credit score if you understand the criteria for how you are Read More >

There are a multitude of factors that affect and determine your credit score. However, there are a great many things that don’t affect your credit score. Contrary to popular belief, you can impact your credit score both positively and negatively. You can achieve a higher credit score if you understand the criteria Read More >