No doubt about it, credit score rating scales are confusing. Working through all the numbers can leave you wondering what it all means. Understanding ratings and how they work will help you to read and understand your credit score more easily.

Companies review various data when building your credit score. Here are just a few:

- Past Payment History - Timing of Bill Payments - Outstanding Debt - Credit History

Large amounts of debt and short credit history will result in a lower credit score even if there are no problems that stand against your credit.