Credit Scores range between 200 and 800.A� Scores above 620 are considered desirable for obtaining a mortgage.A� These factors will affect your score.
1.A� Your payment history.A� Whether you paid credit card obligations on time.
2.A� How much you owe.A� Owing a great deal of money on numerous accounts can indicate that you are overextended.
3.A� The length of your credit history.A� In general, the longer the better.
4.A� How much new credit you have.A� New credit, either installment payments or new credit cards, are condidered more risky, even if you pay promptly.
5.A� The types of credit you use.A� Generally, it’s desirable to have more than one type of credit – installment loans, credit cards, and a mortgage, for example.
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