The sum of debts. The sum of debts pays off under all not paid credits. The rests of all outstanding sums from all credit cards at any time will be mentioned in this clause. For example, if the general debts makes only half from the sum of your approved credit limit you receive more glasses under your credit than what have settled all limit of the credit.

Duration of credit history. The general rule says – the longer you work with bank, the for greater term and for a greater sum the bank can grant a loan to you. There is all the bases to approve, that those who used the credit within several years, will be considered as more favorable clients, than those people who have just received the first credit or have received the credit only two or three months ago. That is why it is expedient, to not close all the old accounts, and to leave even one even if you it do not use it and by that you keep the report on your credit history.

Kind of the credit. Creditors should see, that you use various loans and take credits in different places. For example, if you have a hypothecary credit for the car, or the mortgage on the real estate, and also at you is available two or three credit cards it will promote increase of your point.

The new credit. It is last parameter from five factors used for calculation of the general point of your credit. A parameter of the given factor is the quantity of credits which you wished to receive, and quantity of credits which to you have been given.

And the last, also it is necessary to note, that some of five set forth above factors can have greater influences on your account, than others. Actually they have been listed by way of importance. The history of payments makes 35 % from your point, the sum of debts of 30 %, duration credit histories of 15 %, a kind of crediting and new credits on 10 %. You can notice, that regular repayment of the credit brings the greatest contribution to increase of points of your credit in the specified terms.