You already know late payments affect your credit score. But your payment history only accounts for 35% of your FICO score -- which leaves room for other factors to sneak in and pull your score down. Those other factors can be anything that affects the amounts you owe, the length of your credit history, the age of your active accounts, and the type of credit you have.
Here are 10 examples. Each one, or several of them, could be the reason your credit score falls short of your expectations.
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