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Money Talks

Resources and support to go along with the Money Talks series.

Credit and Debit

Understanding your credit score

Your credit score is made up of five different factors:

  • 35% Payment History - Are you paying your bills on time?
  • 30% Credit Utilization - How much of your available credit are you using?
  • 15% Length of Credit History - How long have you had your credit accounts?
  • 10% Mix of Credit Types - Having multiple types of credit (e.g. credit card, mortgage, loan).
  • 10% Application Frequency -  Whether there are new credit applications or inquires on the account.

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