Your credit summary will also contain the number of accounts you have, any defaults and/or judgments listed against you, the number of enquiries made on you by lenders within the past two years.
Factors affecting your score include the way in which you manage your existing accounts (if you pay your accounts on time, by the due date every month), how much debt you have, how long you've had accounts and what type of actions has been taken by lenders against you such as defaults or court judgments.
The most damaging is the negative information, which indicates that you have not kept to your agreement with the lender and they have opted to take action against you by meand of defaults or judgments.
Also on your credit report:
* Personal information;
* Defaults and public records;
* Credit enquiries;
* Account history or Payment profile.
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