There are only a few things that can affect your credit score and your credit report.
Your job, age, gender, sexual orientation, race, amount of money in the bank, inheritance, genetics, and almost anything else you can think of along those same lines cannot and do not affect your credit score.
What does affect your credit score?
? The timeliness of your payments
? Your credit history
? Your debt to available credit ratio
? Current inquiries and current credit
? The type of credit that you have
That?s about it.
The two biggest influences are your payment history (timeliness) and your debt to available credit ratio. They each count for over 30% of your score.
