What other factors besides Credit cards and house payments are factored into credit scores?
Do phone bills, student loans, renting an apartment, etc. factor into credit scores? If I have never had a credit card or a house, could I still have a Credit Score based on other things?
In order for you to have a credit score, someone had to extend you credit, to be repaid. Like a car loan, house note, credit card or personal loan. Your student loans will build Your Credit.
Phone bills , renting an apartment, utility bills do not Build Credit, as no credit was extended. These are not reported to the Credit Bureaus, unless you fail to pay.
What makes up a credit score is:
The five are http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx
•Payment history – 35%
•Amounts owed – 30%
•Length of Credit History – 15%
•New credit – 10%
•Types of credit used – 10%
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