Your Expedition To A Better Credit Score

C.R.E.D.I.T.

What Is C.R.E.D.I.T.?

Credit Utilization

Payment History

Derogatory Marks

Age Of Credit

Total Accounts

Credit Inquiries

Derogatory Marks

4+

2-3

1

<1

0

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What Are Derogatory Marks?

Derogatory marks are negative entries on your credit report that indicate financial missteps, such as late payments, collections, bankruptcies, or foreclosures. These marks can significantly impact your credit score and may stay on your report for several years.