About one third of a personal credit score is composed of each of the following factors:
One: The amounts you owe to other loan companies.
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 may have, along with your credit history and the new accounts or queries about debt you now have.
Check your credit account often, to see about the accuracy of the information. If there are errors, get them corrected immediately.
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