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5 Factors That Decide Your Credit Score

Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. If you’ve got a poorer credit score than you’d perhaps prefer then you might want to make use of the credit repair services available to you before you go ahead and apply for something like a mortgage. The following factors affect your score:

1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history. If you are struggling to pay your credit card on time, then it might be worthwhile checking out these credit tips, for some helpful guidance.