In today’s financial landscape, it is important to be diligent with your credit. From getting car insurance to a new apartment to a new job; your credit score can affect you.

There are many factors that make up your credit score ratio, but the following are major considerations. Your FICO score is a three-digit number which can range from 300 to 850 and is a major factor in determining your creditworthiness when applying for a loan. Many people are unsure about how it is calculated or what actions they can do to improve their score.  Here are the top 3 factors that impact your score…