Both TransUnion and Equifax make use of wide range of factors whenever determining your credit history. While each of those have actually slightly various procedures, in general, the most crucial factors are:
- Payment History: Missing and belated payments on your bank card, home loan, etc. will decrease your score.
- Financial obligation Levels: the total amount you owe (whether for student education loans, credit card debt, etc) additionally the period of time youвЂ™ve owed the income shall influence your rating. 阅读更多