Скачать или смотреть The 5 Factors That Actually Affect Your Credit Score (FICO Explained)

Your credit score isn’t random — and it’s not based on “good” or “bad” behavior.
It’s based on five measurable factors used by the FICO scoring model.

In this video, we explain the 5 factors that actually affect your credit score, how much each one matters, and why focusing on the wrong things leads to frustration and score drops.

If you want to build credit the smart way, this is the foundation.

⏱ TIMESTAMPS

6:30 – The 5 Factors That Actually Matter
• Payment History
• Credit Utilization
• Length of Credit History
• Credit Mix
• New Credit & Inquiries

Understanding these factors changes how you use credit — permanently.

⸻

📧 Business / Inquiries:
[email protected]

📌 Subscribe for new videos every Tuesday & Friday
Clear explanations of credit, FICO scores, and personal finance — built for real life.