Only time, a conscientious effort, and a personal debt repayment plan will improve your credit report. How lenders use your credit score - MoneyCentral Credit scoring factors in your income and education as well as your credit history. You may never know your score, but you should know if you re seen as a risk. For years, cash was king. Paying with cash was a sign of success and stability.
Credit now wears the crown in America.
Learn the basic step of rebuilding credit, and cleaning your credit report.