 TITLE: Understanding Credit Score Risk Factors CONTENT: Accept the Risk Factors You Cannot Change\n-----------------------------------------\nCertain risk factors, such as \"short account history\" and \"length of time accounts have been established\" reflect the fact that longer positive credit histories represent less risk. The longer your positive payment history, the better your scores will become.\nSimilarly, a factor such as \"amount owed on mortgage loans is too high\" simply means you've got to keep making mortgage payments on time (and you already know that). If you persevere and avoid missed payments and other missteps, your score will tend to improve over time.\nBy calling out the influences that have the greatest negative impact on your credit score, risk factors can help you decide where to focus your efforts at improving your scores. When you understand how to apply them, they can be effective tools for building credit over time. END