re: Credit scores decrease for the first time in a decade; borrowers fall behind on payments

quote:

---

I can’t figure out credit scores. I can’t get above 800 no matter what and have been checking it for years. Been between 770 and 780 for years.

---

On each credit report (whether it scores or not), it lists the 5 factors most impacting your score.
The first factor affects your score the most.
Second factor is second most.

What is listed on your credit report?

Fwiw, even if you have an 850 credit score you will still get a list of the 5 factors most negatively impacting the score (almost zero impact of course).