Re: 请问是不是花钱越多，信用记录就越高？# Money - 海外理财
c*e
1 楼
I have once programmed the credit score algorithm for an auto insurance
company (not same as bank, but may be very alike, I think). From what I
remembered:
Those hurt credit score:
1.Bankruptcy, more recent more harm.
2.Due Collection, declared as loss by creditor, more recent more harm
3.Late payment, 30day, 60day, 90day, worse and worse
4.Approaching total credit limit (the total balance is 80%, 90% close to total
credit)
5.Recent (within 2 years) frequent credit history inquiry
Those benefit
company (not same as bank, but may be very alike, I think). From what I
remembered:
Those hurt credit score:
1.Bankruptcy, more recent more harm.
2.Due Collection, declared as loss by creditor, more recent more harm
3.Late payment, 30day, 60day, 90day, worse and worse
4.Approaching total credit limit (the total balance is 80%, 90% close to total
credit)
5.Recent (within 2 years) frequent credit history inquiry
Those benefit