Payment history is by far the most important factor of your credit report. It's essential to pay your bills on time, every single time. Any late payment is going to have a significant effect on credit scores. Your payment history accounts for about 35% of a credit score.
Utilization, which is the balance-to-limit ratio on your credit cards, is the second most important criteria. You never want a balance to be higher than 30 % of the credit limit on a single credit card or in total. To determine your utilization rate, add up all of your balances and all of your credit limits and divide the total of your balances by the total of your limits. That percentage should not be more than 30% as a maximum. The lower the percentages, the better. It's ideal to pay your balances in full each month. Length of credit history, which is based on the length of time each account has been open andyour credit mix, which is the different kinds of accounts you have including mortgage, credit cards, auto loans, etc. Having a variety of credit types can increase your score slightly, but you should not apply for a number of accounts all at once to try to improve this element. Doing so will do more harm than good because of the next element.
Recent activity looks at how much credit you've received or applied for in recent months. Specifically, it will look at if you have applied for new credit in the past 3-6 months, new inquiries, and whether you are paying off accounts or taking on more debt.
Overall capacity, such as how much installment debt is outstanding.
If you get a credit score, it will list the risk factors that are most affecting that number. You should focus on those factors and address those issues on the credit report and your scores will take care of themselves.
Answer:
C) The Texas Bill of rights protects individual freedoms from being infringed upon by the government.
Explanation:
The Texas Bill of Rights has more positive tone, and it leverages the citizens with much the same level of protections like the US bill of Rights. However, you will find that Texas bill of right goes beyond the federal protection. And as an example, the section 3a, has been written to not allow the discrimination which is on the basis of the color, creed, race, gender or nationality. And hence, it protects the individual freedoms from being invaded by the government. However, it can be ammended, and federalism is embodied in the Texas bill of rights.
The answer is <span>demoralizing the North with a victory on northern soil.
He brought up more troops than the northern had for the battle. But by doing this, General Lee make a blunder because It make the south's defense for the western regions become really weak and caused an irreparable damage to the southern army.</span>
4. Both allowed people to question the world around them
