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How credit score is calculated?
- 1. How Credit Score is Calculated?
- 2. Credit score calculation Model
- 3. Payment History is 35% Payment history has the highest impact on your credit report Advice : Pay your bills on time
- 4. Amount Owed/Debt to limit Ratio is 30% Lenders and credit bureaus look at the amount of debt you owe relative to the amount of available credit. Advice: Keep your credit balance low
- 5. Length of Credit History is 15% Short history is looked at as a credit risk because thereโs no proven record. There is no reason to ever close any account because the longer the account is open the more it helps increase your score. Advice: Keep your old accounts open
- 6. Types of Credit Used is 10% Credit bureaus look at how many different types of credit you currently use and have used in the past, such as credit cards, mortgage, car loan, retail accounts, etc. Advice: Manage different types of accounts.
- 7. New Credit is 10% Too many credit applications mean that you are taking lot of debt & are in financial trouble Advice: Donโt apply for multiple credit lines.
- 8. Check your credit score on regular basis & Keep it high for a good financial life Info Source: www.Creditscore.com