What makes up a personal credit score?
About one third of the score is composed of each of the following factors: One: The amounts you owe to other institutions. Two: Your past payment history. Three: Various miscellaneous but important credit related items.
The latter are composed of about an equal part each of the type of debt you have, your credit history and the new accounts and/or queries about debt you now have.
Check your credit account often to see the accuracy of the information. If there are errors get them corrected immediately.
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