The Essential Credit Repair Handbook by Deborah McNaughton
Author:Deborah McNaughton
Language: eng
Format: epub
ISBN: 9781601636669
Publisher: Red Wheel Weiser
Length of Credit History: 15% of Your Score
The older your credit history is, the more it will increase your score. Other contributing factors include:
Time since accounts opened.
Time since accounts opened, by specific type of account (installment or revolving credit).
Time since account activity.
New Credit: 10% of Your Score.
If you open several new accounts, or have several inquiries on your credit history in a short period of time, it can reduce your credit score and will affect your chances of qualifying for credit. Contributing factors include:
Number of recently opened accounts.
Proportion of accounts and types of accounts that are recently opened.
Number of recent credit inquiries.
Reestablishment of positive credit history following past payment problems.
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