: The most critical factor. Even one payment 30 days late can drop your score by 60 to 110 points.
: Lenders like to see a variety of credit types, such as a mix of revolving credit (credit cards) and installment loans (mortgages, auto loans). acreditscore
: Opening multiple new accounts in a short period creates "hard inquiries," which can temporarily lower your score. The guide to building a rock-solid business credit score : The most critical factor