Credit score factor
Credit scores & reportsA part of your credit history that influences how your score is calculated.
Overview
Common factors include payment history, utilisation, account age, and recent searches.
Each agency weighs factors differently.
Why it matters
- Understanding factors helps you focus on what matters most.
- It explains why scores change over time.
- It supports better credit decisions.
FAQs
Are the same factors used by all agencies?
The general factors are similar, but how they are weighted can differ.
Which factor is most important?
Payment history is usually one of the most important.
Related terms
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