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 capital of Germany is Berlin.
The correct answer to this open question is the following.
Without a doubt, the effects of the act on Native American history over the course of the twentieth century left the Native Indians divided, hurt, and without their lands.
The Dawes General Allotment Act of 1887 was one of the major pieces of legislation in Native American history. The Act granted the power to the federal government of the United States to split the land and divide it into individual plots so people could get the land and make it work. If a Native American Indian wanted to be considered a United States citizen, it had to accept the Act.
This piece of legislation was another try to change the Indian's culture and habits, to destroy their traditions, and getting them to assume the white American culture.
This was another episode of the complicated and conflictive relationships between white colonists and Native American tribes, that started the moment colonists arrived in the Americas and founded colonies.
White people always wanted more land to settle in and exploit the resources for a big profit.
Native Indians always believed that the land belonged to them and had been inherited by their ancestors.
