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  • I didn't get my loan!
  • Well young man, do you know why that is?
  • I don't know! They said it was my credit score, but I have a great score! 550!
  • Actually, you want a lower credit score. Over 750 is good, and under 600 is very bad.
  • I don't know why it would be this bad. 
  • Well, missing payments is a large factor.
  • I did miss a couple payments, and I did max out all of my credit cards. That may have something to do with it.
  • That also will damage your credit score. My friend here will explain some more.
  • Payment history, current debts, credit history, credit applications and current credit can all affect you credit score, positively or negatively.
  • The three credit bureau are Equifax, TransUnion, and Experion, and no one knows exactly how a credit score is calculated. However we know the main factors.
  • Thanks, now I can know about my credit score and what goes into it.
  • Good luck with your next loan!
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