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.
The introduction of European diseases to American Indians was an accident that no one expected. Neither the colonists nor the Indians had a good understanding of why this affected the Native people so badly.
The great impact of disease on the Native population of America is an important part of the story of European exploration. Experts believe that as much as 90 percent of the American Indian population may have died from illnesses introduced to America by Europeans. This means that only one in ten Natives survived this hidden enemy. Their descendants are the 2.5 million Indians who live in the United States today.
New trade goods represented another big change that European explorers and colonists brought to American Indians. Soon after meeting their European visitors, Indians became very interested in things that the colonists could provide. In a short time, the Indians began using these new materials and products in their everyday lives. Native hunters were eager to trade prepared deer hides and other pelts for lengths of colored cloth. Metal tools such as axes and knives became valuable new resources. Soon American Indian men put aside their bows and arrows for European firearms, powder, and lead shot.
Another big change connected to this new trade was slavery. Europeans needed workers to help build houses and clear fields. They soon realized that they could offer trade goods like tools and weapons to certain American Indian tribes that would bring them other Indians captured in tribal wars. These captured Indians were bought and sold as slaves.
Hope this helps! :)
The state legislature passed Louisianas Black code at the period 1865-66
Native Americans experience historical trauma through the effects of colonization such as wars and battles with the U.S. military, assimilation, forced removal, and genocide.
