What Impacts Your Credit Score?

Credit scores often seem like a black box—each bureau has its own formula, and they rarely explain exactly how your score is calculated. But despite the secrecy, there are consistent factors that can help or hurt your score. In this video, Legal & Finance Expert, Daynor, walks through three habits that improve your score (like paying on time and keeping debt low), three red flags that bring it down (like late payments or too many new loans), and the best ways to check your score for free. More than just a loan gatekeeper, your credit history can affect jobs, housing, and insurance—so understanding it is key to unlocking more choices in your life.

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More in this series

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