Which factors affect credit scores?

Here is a website that presents the info relatively easy and not too boring:
http://www.alberta-mortgages.com/articles/credit-bureau.html

Also, you can get a free credit report at http://www.consumer.equifax.ca/home/en_ca.

From alberta-mortgages.com:

Here are the factors considered when calculating your credit score and an estimate of how heavily each factor might be weighted.

Credit Score Criteria

»	Past payment history (35 percent): bankruptcies, late payments, past due accounts and wage attachments
»	Amount of credit owing (30 percent): amount owed on accounts, proportion of balances to total credit limits
»	Length of time credit established (15 percent): time since accounts opened, time since account activity
»	Search for and acquisition of new credit (10 percent): number of recent credit inquiries, number of recently opened accounts
»	Types of credit established (10 percent): number of various types of accounts (credit cards, retail accounts, mortgage).

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