- Commission record . This shows although you’ve made costs timely. You to later percentage is also significantly ding your score. An example: A thirty-day delinquency can result in around good ninety- in order to 110-point shed toward a get out-of 780 to own a buyers which has never overlooked a payment prior to, considering Equifax.
- Debt-to-credit use ratio . This is the way far financial obligation you accumulated on the playing cards separated from the credit limit towards amount of your levels.