In planning to apply in any mortgage or simply to acquire loans and credit cards, one of the requirements is to have a high or good credit score. If ever you are one of these persons who are having a hard time acquiring this credit score free then it’s better to repair your bad credit as quick as possible. Citing Ranger: “Having a high credit score would not only allow you to be qualified to these loans and etc. but also gives you lower interest rates. “Moreover, there are certain factors you must consider that brings a great impact to your credit score. One factor to consider is the age of your credit on either non-revolving or the revolving accounts.
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MasterCard and Visa or even the retail store card is some of the examples of this revolving card. This type of card permits you to make a minimum monthly imbursement and have the remainder balance torevolve the following month. On the other hand, non-revolving accounts includes Diners Club and American Express. This kind of account should be fully paid every month. The ager your credit history is, the more score would you be likely to acquire but you must make sure that you are paying on time. Aside from it, another factor also is the period of time you are looking for any credit in the previous years. The longer you are looking for a credit, the more it would reflect on your file which is based on the inquiries you had made.