Most lenders rely on the model, which uses five specific factors to judge your creditworthiness: Why you shouldn't worry too much about your credit score
Thinking of your credit score as a simple "financial GPA" is a good start, but it’s actually a more dynamic and secretive calculation than most people realize. At its core, your credit score is a three-digit number (ranging from 300 to 850) that acts as a risk prediction tool for lenders. The 5 Ingredients of Your Score score-your-credit