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What key factors impact my credit scores?

To help make credit easier to understand, Credit Karma shows you some of the key factors that can impact your credit scores.

These factors are:

The Credit Factors page shows you an overview of how you’re doing in each category. You can also drill down to see more details about each factor.

The information you see is based on your most recent credit reports, so if you’ve recently made a change, like paying off a credit card balance, it may not be reflected yet. If you’re wondering how long it’ll take to see these updates, read up on credit report lag.

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