Credit score factors are the elements that influence the calculation of a person's credit score. These factors typically include payment history, credit utilization (the ratio of credit used to credit available), length of credit history, types of credit accounts, and recent credit inquiries. Understanding these factors can help individuals focus on areas to improve their credit scores.

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Credit bureaus, also known as credit reporting agencies, are companies that collect and maintain individuals' credit information. They gather data from various sources, such as lenders, creditors, and public records, and compile it into credit reports. The major credit bureaus include Equifax, Experian, and TransUnion.

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