Five factors
exist that influence in a Fico Score
1. - File of Payments
The file account of payments is
approximately a 35 percent of your
puntaje. To pay your debts on time
is the best form to receive a high
FICO store.
2. - Your present debt
The 30 porceniento of your puntaje
is determined as soon as you must
at the moment. If you must much
money in relation to your limits
of credit, your you can appear like
exceeded. The secret is to maintain
your low balance in whichever safe
us as they are credit cards. Accounts
in disuse and cancelled cannot even
not improve your percentage.
3. - Whichever time you
do had a credito
Whichever but time you do had credit
available makes you see as a responsible
person and this score were reflected
in the final puntaje of your FICO.
4. - To apply for a New
credito
To apply for a new account of credit
in a short period of time they can
indicate that soon you can be sobredrawee
and that will reduce your percentage.
This is like a 10 percent of your
score.
5. - It mixes your credit
The 10 remaining percent this dereminado
by the type of accounts of credits
that you have - credit cards, we
lent financiers, we rendered hypothecating,
credits of stores etc and whatever
of each one.
Other elements exist, mainly subcategories
of the credits listed previously,
that go away directly to your score,
including your occupation, the time
in the present work, time in your
present address, if you are owner
of a property, and much but. For
but information obtén a copy
of your FICO Score in www.fairisaac.com.
