Some common factors when determining your credit are: -Paying Your Bills -Your Debt -Credit Card Usage -Credit and Loan Applications
When determining your credit score, FICO and VantageScore will not take the following factors into account: – Age – Race – Religion – Nationality – Gender
You can get a full credit report from each of the three credit bureaus once per year from AnnualCreditReports.com.
Having a higher credit score will make it easier, in general, to get a new loan. It can also make the terms of any new loan better for you.