Since payment history is 35% of your score, missing even one payment can cause a significant drop [9, 23].
Often considered "subprime"; you may face higher interest rates [11, 24].
How often you apply for new accounts. Frequent "hard inquiries" can slightly lower your score [9, 19].
Many banks and apps like Experian or ClearScore provide free monthly score updates [20, 22].
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The age of your oldest and newest accounts [9].
Viewed as an "acceptable" or low-risk borrower by most lenders [11, 30].
Access your full history for free at AnnualCreditReport.com to ensure there are no errors or fraudulent accounts [17, 35].
