The basic five factors the three credit reporting agencies (Equifax, Experian, TransUnion) monitor are: payment history, amount owed, length of credit history, newly opened credit accounts and types of credit used. Scores take into consideration both positive and negative information in each category, but may weigh the factors differently depending on the individual circumstances. Say, you have disputed a negative entry, less weight will be given to that negative as you are in dispute. To gain a greater understanding of how and what you can do to monitor and improve your credit scores:

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