1.Your payment history.
Your payment history is your past long-term behavior and they use that to forecast your future long-term behavior. They look at things like credit cards and mortgages and student loans all of your debt and the payments that you’ve made and whether you’re paying those things on time, they consider the frequency and severity of reported missed payments.
According to Tommy Lee, a principal scientist at FICO. He said generally speaking, FICO scores do not consider a missing loan payment is more negative than a missing credit card payment.
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