Everybody over the legal age will have a credit score (if they have ever had any sort of credit). This credit score will probably change on a month by month basis, Which is good, as we will be giving you some pointers in how to affect shortly your credit score in at upward direction.
A whole load of variables go into calculating your credit score, many of these being proprietary to each credit scoring company. Your payment history is obviously important, number of debts, what is outstanding on each debt, and any other factors such as bankruptcy, and brushes with the law, all contribute to your credit score.
The biggest killer to your credit score is paying a debt late. Miss a payment on your mortgage or car loan, and this will flag up big brother bingo alarm bells, and knock your credit score horribly.
