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winniep362
Several factors are taken into account with credit scores. It weighs greatly on debt ratios and payment history. Other items that can influence credit are the length of credit as well as credit inquiries. Credit scores can fluctuate frequently as credit history changes. 
mavrickreed44
Factors that affect credit scores are: Payment history, amount of outstanding debt, amount of time that the debt has been open, and the amount of new credit. Credit scores can also be affected by what types of credit you have (ie consumer, student debt, mortgages).