September 25, 2006 6:31 PM
How Is VantageScore Determined?
Several characteristics contribute to your VantageScore:
– Payment History: Have you consistently paid your accounts in a timely manner?
– Utilization: How much of the total credit available to you are currently using?
– Balances: What is the total of your current and delinquent account balances?
– Depth of Credit: How long is your credit history and do you have a healthy mix of credit types?
– Recent Credit: How many recently opened credit accounts and credit inquiries do you have?
– Available Credit: What is the total amount of credit that you currently have access to?
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