Lending Updates

What percentage does payment history affect your overall score?

• 41%

• 20%

• 11%

• 6%

What percentage does age/mix of credit affect your overall score?

• 41%

• 20%

• 11%

• 2%

What percentage does utilization affect your overall score?

• 41%

• 20%

• 6%

• 2%

What percentage does new credit affect your overall score?

• 20%

• 11%

• 6%

• 2%

What percentage does balance affect your overall score?

• 20%

• 6%

• 11%

• 2%

What percentage does available credit affect your overall score?

• 2%

• 6%

• 11%

• 20%

How many days does a member have to rate shop?

• 14

• 45

• 30

• 60

What percentage of utilization should you stay under?

• 30%

• 20%

• 5%

• 50%

How long do credit inquiries stay on your credit?

• 2yrs

• 7yrs

• 10yrs

• 20yrs

How long does collection accounts and late payments stay on your credit history?

• 7yrs

• 10yrs

• 2yrs

• 14yrs