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Which factors impact a credit score?

Different credit scoring agencies may use slightly different models, which can have some variation in the factors they consider and the weight they give each aspect. However, you can expect a credit score to account for your payment history (including on-time payments), amounts owed (the percentage of your total available credit you’re using), credit history (length of your credit accounts), credit mix (different types of credit), and new credit (new inquiries).

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