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Most people do not have the time or the energy to review their credit reports periodically, or know how their credit scores are calculated. Credit scores are made of the following:

  • 35% is payment history.
  • 30% is amount owed (with reference to outstanding balances and total credit available).
  • 15% length of credit history.
  • 10% new credit accounts.
  • 10% types of credit used.

With these factors in mind, it is time to review your credit history and reports and enlistĀ American Best Credit CenterĀ as your advocate for proper and lasting credit restoration.