These five factors work together to determine your credit score. Bill payment history simply means how often you pay your bills on time. It's the most important factor that affects your credit score.

And while some of the things that make up your credit score -- like paying bills on time -- is common knowledge, much of the information that affects your credit score isn't well understood by ...

Factors that don’t affect your credit scores There are some things that are not included in credit score calculations, and these mostly have to do with demographic characteristics. For example ...

Or applying for a loan or a credit card? If so ... twice-daily newsletter Sign up However there are many things that can affect your score, some of which you might not be aware of.

Rent payments can help build credit, but only if a rent reporting service is involved. Learn the different ways rent can ...

"While having a roommate doesn't affect your credit scores directly ... Griffin notes that where things can get confusing for separating couples is with the divorce decree. That's the document ...

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect ... on your current credit score and financial situation. If things ...