Question

a is a numerical value that evaluates an individuals creditworthiness based on their credit history. the is the detailed document that outlines an individuals credit history and is used by lenders to assess credit risk. the ratio is the amount of credit you are using compared to your total available credit limit. payments that are made after the due date can negatively affect your history, which is a critical factor in calculating your credit score. are agencies that collect individual credit information and provide it to creditors. they include equifax, experian, and transunion.

Explanation:

• Credit score: A numerical value evaluating creditworthiness from credit history.
• Credit report: Details credit history for lenders' risk assessment.
• Credit utilization ratio: Compares used credit to total limit.
• Payment history: Late payments harm it, key to credit score.
• Credit bureaus: Collect and provide credit info (e.g., Equifax, Experian, TransUnion).

Answer:

1. Credit score
2. Credit report
3. Credit utilization
4. Payment
5. Credit bureaus