### Question
How is the "key factors" defined?


### Answer
The term **key factors** is defined in *15 U.S.C. § 1681g* as follows -

> all relevant elements or reasons adversely affecting the credit score for the particular individual, listed in the order of their importance based on their effect on the credit score

#### Citation:
  - *15 U.S.C. § 1681g*
  - Heading: **CHAPTER 41-CONSUMER CREDIT PROTECTION > SUBCHAPTER III-CREDIT REPORTING AGENCIES**

