As of December/2011 your credit score is 0672. Credit
scores range from a low of 250 to a high of 900 The Key
factors that adversely affected your credit score are:
o Your credit report shows a derogatory public record or
collection filed.
o There is a lack of recent installment loan information
on your credit report.
o Your credit report shows too many inquiries in the last
12 months.
o Length of time accounts have been established on your
credit report.
有几个问题请教大牛：
1. 第一条和第二条是啥意思？
2. 第四条难道是负面的么？
3. 信用记录应该去哪里要啊？
多谢了！
