
Credit Score Factors
Payment History Is the Most Important Factor in Your Credit Score
Your credit scores are determined based on multiple factors, but your payment history carries the most weight. For example, payment
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Your credit scores are determined based on multiple factors, but your payment history carries the most weight. For example, payment
Late payments have the greatest negative impact on your credit score. Too many will tell a creditor you’re a big risk.
Derogatory marks on your credit report are negative items that can affect your credit score. These may include a variety
Your credit may suffer if inaccurate information is posted to your credit report. You can dispute credit report errors by contacting the credit reporting
The Fair Credit Reporting Act (FCRA) places clear limits on who can check your credit report and for what reasons. In some limited cases, it may be