This includes making payments on time, any late or missing payments, or collection information.
How much of your credit limit is being used on your cards or any other revolving lines of credit.
Calculated by how long your lines of credit have existed. It’s important to show you can handle a line of credit for long periods of time.
If you have a history of bankruptcy or have had bills go into collections, you are deemed risky.
When your credit report is accessed, major inquiries will show as ‘hard inquiries’. These add up over time and will reflect negatively on your credit report.