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Kitty4670
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08 Feb 2024, 8:55 pm

Is credit history different than credit score?



Blue_Star
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08 Feb 2024, 10:10 pm

Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.



Kitty4670
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21 Feb 2024, 3:30 am

Blue_Star wrote:
Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.


Thanks, I don’t have any debt & I always pay on time, my credit score is very great.



blitzkrieg
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21 Feb 2024, 9:06 am

Kitty4670 wrote:
Blue_Star wrote:
Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.


Thanks, I don’t have any debt & I always pay on time, my credit score is very great.


There are tools like Experian and others where you can check your score.