Question

Who determines your credit score?​

Answer 1

Credit karma

Step-by-step explanation:

Answer 2

Your credit scores are determined by credit scoring models that analyze one of your consumer credit reports and then assign a score using complex calculations.

Step-by-step explanation:

The five pieces of your credit score

1. Your payment history accounts for 35% of your score.
2. How much you owe on loans and credit cards makes up 30% of your score.
3. The length of your credit history accounts for 15% of your score.
4. The types of accounts you have made up 10% of your score.
5. Recent credit activity makes up the final 10%.