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As you can see, one seemingly simple change actually affects a large number of items on the credit report.Therefore, it is impossible to provide a completely accurate assessment of how one specific action will affect a person's credit score. They identify what elements from your credit history are having the greatest impact so that you can take appropriate action.Credit scores are only affected by elements in your credit report, such as: U. law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.Why lenders use Credit Scores Credit scores came into wide use in the 1980s.
It may be to your advantage to use the credit you already have to prove your ongoing ability to manage credit responsibly. Any change to your credit report could affect your score.
These new elements will continue to affect your scores until they reach a certain age.
Delinquencies remain on your credit report for seven years.
Remember also that a divorce decree does not release you from responsibility for joint accounts. Even if the debt you owe is a small amount, it is crucial that you make payments on time.
In addition, you should minimize outstanding debt, avoid overextending yourself and refrain from applying for credit needlessly.