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Credit Score Idols: Meet 5 Credit Score Factors that Judge Your Credit

Do you have what it takes to impress the judges and become a credit score superstar?

You might not think credit scores and reality talent competitions have much to do with one another. On the other hand, the right credit score can open doors for you in the world of credit just like winning a talent competition can do for you in the entertainment world.

When you have excellent credit, the world is your oyster and the financial possibilities can be almost endless. On the other hand, if your past performances have led to negative marks against you on your credit, then those doors close and you can find yourself stuck with few opportunities to move forward.

If you want to achieve superstardom when it comes to your credit score, you have to make the grade with the five credit score judges. These are the five credit score factors that every credit bureau and almost every lender use when they calculate your credit score. So, if your credit performance is enough to impress these five judges, then chances are good that you’ll make the grade and qualify the next time you want credit.

Use the infographic below to understand how you’re getting judged when it comes to your credit score. The more you understand these five credit score factors, the more strategic you can be when building credit. If you still have questions or you need help eliminating debt so you can become a credit score star, call us at (844) 276-1544 to speak with a certified credit counselor now.

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Consolidated Credit's Credit Score Idols infographic

Credit Score Idol Can you impress the 5 judges to become a credit score superstar? Judge No. 1: The Past Performance Pragmatist “Think you have what it takes? Let’s look at your past performances, because the proof is in the payment pudding.” What this judge cares about most: Your credit history – how good have you been with payments in the past? How much clout do they have? Even though there are 5 judges, this one carrie4s 35% of the final decision Judge No. 2: The Princess of Potential “When it comes to becoming a credit score idol, you have so much untapped potential. The sky’s the limit!” What his judge cares about most: Credit utilization – how much of your available credit line are you using. How much clout do they have? The 2nd most important judge who carries 1/3 of the final decision. Judge No. 3: The In-the-Industry Insider “You may think you can just come in here and make it big, but you have to earn your stripes to be truly great.” What this judge cares about most: Length of use – how long have you been using credit cards and loans? How much clout do they have? The third biggest judge, carrying 15% of your final credit score assessment Judge No. 4: The Latest-is-Greatest Guru “Past performance is fine, but what you’re doing NOW is most important. So what have you done lately?” What this judge cares about most: New credit – how many new credit lines have you applied for in the past 6 months? How much clout do they have? Tied with No. 5, this judge only carries 10% of the final decision. Judge No. 5: The “Total Package” Prima-Donna “You’ll never make it here if you’re just relying on one talent to get you through. You have to have the total package.” What this judge cares about most: Types of credit – do you have a diverse portfolio/are you holding the right kinds of debt? How much clout do they have? Tied with No. 4, this judge only carries 10% of your final assessment.

Use this infographic

<a href="" target="_blank"><img src="" alt="Consolidated Credit's Credit Score Idols infographic" class="img-fluid" /></a>
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