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5 Credit Factors That Affect Your Score (and 5 That Don’t) Tina Russell/The Penny Hoarder 2. Your Credit Utilization Ratio: 30%. When it comes to credit factors that actually affect your score, what matters isn’t the total amount of debt you have — it’s the percentage of your available credit that you’re using, also known as your credit utilization ratio.It’s the second most important credit factor, determining 30% of your score. Mortgage Rates By Credit Score - The Balance 2020-2-10 · A low credit score, on the other hand, is the result of falling behind on credit card payments, keeping high balances, and perhaps having major delinquencies on your credit record. This chart illustrates the relationship between credit scores and interest rates, and how one impacts the other:

Tina Russell/The Penny Hoarder 2. Your Credit Utilization Ratio: 30%. When it comes to credit factors that actually affect your score, what matters isn’t the total amount of debt you have — it’s the percentage of your available credit that you’re using, also known as your credit utilization ratio.It’s the second most important credit factor, determining 30% of your score.

My Credit Status - Get Your Credit Score Online The report is well detailed, and gives you all the info that you need. This has helped me to restructure some finances and improve. I would highly recommend using MyCreditStatus.co.za to anyone interested in knowing what their score is.

The free score from Credit.com is your VantageScore 3.0 score. The only other way to get your Experian VantageScore 3.0 score is to buy it directly from Experian. Credit.com analyzes your score and the information from Experian to show how you're doing in the five areas that make up your credit scores—payment history, credit utilization

This is what a ‘poor’ credit score looks like | Fox Business 2020-7-21 · A score from 740 to 799 is “very good,” a score from 670 to 739 is “good,” and a score from 580 to 699 is “fair.” Any score ranging from 300 to 579 is considered “very poor.” How to maintain or improve your credit score in an 2020-4-16 · If you're worried your credit score could suffer right now, start making arrangements with lenders and checking your credit report.