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KAL Credit Repair
What Determines your Score?
35% Payment History
30% Amount Owed
15% Length of Credit History
10% New Credit
10% Credit Mix
In recent years, employers have begun checking credit scores before hiring and may also require existing employees to meet minimum score requirements.
Maxing out your credit cards will lower your score. Try to keep balances below 25% of your available credit limit for each card.
Landlords and rental communities routinely check credit during tenant screening, making it difficult for those with credit issues to find housing.
Excessive recent inquiries may carry negative implications with credit bureaus. Therefore, it's best to apply for credit only when necessary.
Most home and auto insurers use credit scores in their underwriting and pricing. Your credit quality significantly affects your monthly insurance premiums.
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