What affect your credit score and more importantly how do you maintain good credit and repair derogatory credit?
35% is based on your payment history
30% is based on by the amount owed
15% is on length of your credit history
10% is based on new credit
10% is based on that types of credit
The goal is to understand credit report and scores (all three). By identifying adverse reporting, you may better plan to correct them, or determine your current scores and profile are adequate for the loan you want and need.