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发帖数: 2 | 1 I have once programmed the credit score algorithm for an auto insurance
company (not same as bank, but may be very alike, I think). From what I
remembered:
Those hurt credit score:
1.Bankruptcy, more recent more harm.
2.Due Collection, declared as loss by creditor, more recent more harm
3.Late payment, 30day, 60day, 90day, worse and worse
4.Approaching total credit limit (the total balance is 80%, 90% close to total
credit)
5.Recent (within 2 years) frequent credit history inquiry
Those benefit |
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