– A history of not paying debts, or not paying on time each month, will lower scores.
Amount of credit used
– Credit lines near their limits, or maxed out, negatively affect free check scores.
Amount of overall debt
– Too much debt makes it less likely you could pay off additional debt. Too little debt offers creditors limited payment history, making it difficult to judge credit worthiness.
See Your Absolutely Free USA Credit Score & Report. 100% Free. Go Now! Learn what factors can affect your credit score and get helpful tips on how you can improve your score.
Free Credit Report App
This app has access to :