When lenders consider extending you credit they look at five factors that combine together to give them a snapshot of your current and past credit condition . The credit score chart below shows the percentage breakdown of each component.

Payment History – Whether or not you’ve paid your debts on time is the most important factor. Since 35% of your credit score is comprised of this category this is one area of your credit activity you must pay the greatest attention to. Your payment history is made up of component such as:

Payment of specific types of accounts: credit cards, retail, installment loans, etc.

Listing of negative items on your public record: bankruptcies, liens, etc.

Unpaid debts: Including length of time payments are overdue, how many overdue accounts there are, and any negative public record considering past due accounts .

Having a number of accounts on your record that have been paid on-time since their opening are considered positive factors

Amounts Owed - At 30 percent, the overall amount due on all of your accounts is the second most important component. Factors in this category include the total amount of debt you have incurred , the types of accounts and their balances, the number of accounts on which you have a current balance , and in some cases not having certain types of accounts can work against you.

Length of Credit History - Creditors look at how long you’ve had credit and how often you use it.

New Credit - This includes newly opened accounts and their proportion to your other accounts . The number of times you’ve applied for credit is considered but not as heavily as some think.

Credit Types in Use: – Some weight is given to the makeup of the accounts on which you owe: major credit cards, retail in-store accounts, etc.

Lenders consider the whole pie when making credit decisions, not just a few of the pieces.
 

As incredible because it may seem, when it comes to having a credit history not all credit history scores are the same. Whenever you pay to get a rating variety it may not be the exact same a single your lender sees.

credit report, credit score, credit repair

1) Remove Credit Inquries

Numerous inquiries look bad on your credit score report, on the other hand more than that you likely want to understand who can see your personal money information, now this you realize this your personal data is stored in a credit rating report. Whether you sign a document with a lender or apply for credit online, you must be sure that someone is looking at your credit rating report.

2) Remove Bankruptcy

While a bankruptcy will depress it even further, at least it will give you the chance to repair your credit by giving you a “clean slate” free from large  expenses.

3) Pay Bills On Time

Whether you are too busy to pay your bills as they arrive, set aside one hour each week for paying your expenses and ordering your finances. Have the same place and time set aside each week, so this paying incoming expenses and taking care of your finances becomes an automatic great habit. You must pay off at least 50% of your debt loads as they are readjusted. For instance, if you have a credit limit of $5000 on your credit card and get it reduced to $2500, you must ensure that you should leave a balance of $1250 or less. If you owe $4000 and have no way of repaying it, getting your credit limit reduced can actually hurt you. But, if you need to get a larger loan and can pay off your charge card in full and lower your limit to $2500, you should be able to clean up your credit rating in that way.

4) Stop Falling For Scams

Once faced with an offer this seems too fantastic to be true, do some research on the web, through the Better Business Bureau, or ask the person making the offer some questions. Never take a person up on an offer that you have been given unsolicited unless the agency and the offer both check out.

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