Owning a house, Vehicle, Credit Cards, Telephone, etc. Banking account, credit card, any other loan, etc from the same lender. Your level of education can give an indication to the lenders whether it is a good risk to extend credit to you. Higher the education better is the credit score. A person with professional qualifications is given more points than a simple graduate.
Lenders prefer people who are stable.
So, lenders assign more points to people who've lived in a particular location or have worked for a single employer for many years. If you've moved around a lot, you lose precious points. If you've moved because of a better-paying job, you can recoup some of those points if your salary has increased, for example. Lenders rate your profession and your employers too. Most of the lenders have a list of approved companies.