Your Payment History:
Having a long history of making payments on time on all types of credit
accounts is one of the most important items lenders consider before
approving you for a loan.
Owed versus Available Credit:
This compares the amount you owe versus the total amount of credit available
. Your credit score can be lower when you use more than 50 percent of your
available credit for each account. That's because when you are close to
maxing out on all of your credit limits, lenders see you a
