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Credit scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage.

These factors will affect your score.

5 Factors That Decide Your Credit Score

Your payment history. Whether you paid credit card obligations on time.

PAYMENT HISTORY

Owing a great deal of money on numerous accounts can indicate that you are over extended.

HOW MUCH YOU OWE.

The length of your credit history. In general, the longer the better.

LENGTH OF CREDIT HISTORY.

How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly.

NEW CREDIT.

The types of credit you use. Generally, it’s desirable to have more than one type of credit, installment loans, credit cards, and a mortgage, for example.

TYPES OF CREDIT.

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