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Personal finance observation, musing and decisions in a journey toward financial independence by 36 with at least $1 million.

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How Is VantageScore Determined?





Several characteristics contribute to your VantageScore:

- Payment History: Have you consistently paid your accounts in a timely manner?
- Utilization: How much of the total credit available to you are currently using?
- Balances: What is the total of your current and delinquent account balances?
- Depth of Credit: How long is your credit history and do you have a healthy mix of credit types?
- Recent Credit: How many recently opened credit accounts and credit inquiries do you have?
- Available Credit: What is the total amount of credit that you currently have access to?



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