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There are a lot of things which affect your credit score. The length of your credit history, the amount of available credit versus the amount you owe to your creditors, what number of times have got applied for credit (i.e. authorized a creditor to measure your credit history), and what type of credit are obligated to pay (i.e. mortgage, installment loans, unsecured debt). These areas can have a positive or negative affect your credit score before factoring issues of credit management - meaning whether or not you pay your bills on time, if anyone could have filed for bankruptcy or have had automobile repossessions or decision taking.