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This includes things like having your credit cards for a long time, paying bills on time, having a variety of types of credit and using your credit card each month.

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Review your profile now The honest answer to that question is this: your score can change at any given point in time.Some of them include: late payments, applying for new lines of credit, going bankrupt or carrying a balance from month to month.On the other hand, plenty of things can positively affect your credit.Plus, you'll receive personalized offers for mortgages, auto loans, credit cards, and more no matter what your goal is.

Want to understand how to get approved for a mortgage or auto loan?It all depends on when creditors furnish information to the credit bureaus (usually every 30-60 days).

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