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While every bureau is different, the main things they consider are consistent, that are your fee historical past, the variety of credit accounts, the kind of credit score accounts, how a lot of your available credit is used, the length of time you could have had your accounts, your recent credit score exercise and in case you have an account that has gone to collections,  http://freecreditscorecom12.unblog.fr/2016/06/30/free-credit-score-verify-3-reasons-why-you-may-need-one/  foreclosures or a bankruptcy.