Score Factors

Score Factors

1. Understanding Your Score Breakdown
CreditVana highlights the main positive and negative factors impacting your score.
Examples:

  • Positive: On-time payments, low utilization

  • Negative: High credit usage, recent hard inquiries

2. Personalized Tips in CreditVana

  • Available in Dashboard → Score Factors

  • Examples:

    • “Your utilization is 65%. Lower below 30% for better results.”

    • “You have 3 recent inquiries. Avoid new credit applications for 6 months.”

3. Improving Your Score

  • Pay bills on time every month.

  • Reduce credit card balances.

  • Avoid unnecessary hard inquiries.

  • Keep older accounts open (helps account age).

  • Diversify credit mix responsibly (credit card + installment loan).

🔐 Important Notes

  • CreditVana is a monitoring and educational tool — we don’t decide loan approvals.

  • Disputes are handled directly by bureaus, not CreditVana.

  • For deep education, see [Educational Resources → Credit Basics] (Category 9).

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