Factors in a credit score:

     Credit scores analyze a borrower’s credit history and assign points for different pieces of information that best predict future repayment. Key factors in your score include the following:

• The length of time credit has been established
• The length of time a consumer has resided at his or her present address
• The dollar amount of credit used vs. amount of credit available
• Employment history
• Late payments and other negative credit information such as bankruptcies, judgments, charge-offs and collections

      If you would like to purchase a credit report with your credit scores from all three credit bureaus, kindly vist www.myfico.com.