Almost 60 percent of people don’t know what determines a credit score, according to Visa. Below, the top five factors people think matter — but don’t — and five that really do.
|WHAT DOESN’T MATTER||WHAT DOES MATTER|
|Employment history||Paying on time|
|Interest rates on debt||Amounts you owe|
|Assets/savings||How long you’ve had credit|
|Age||New accounts and credit checks|
|Where you live||The number and type of accounts|