What are some things that credit companies base credit score on, that could potentially be abused by others?
What are some things that credit companies base credit score on, that could potentially be abused by others?
user
Credit companies take into account various factors to assess an individual's creditworthiness, such as credit card history, debt-to-credit ratio, number of open accounts, payment history, and inquiries into the individual's credit history. 

Some activities can potentially be abused to negatively manipulate an individual's credit score, such as opening multiple credit accounts in a short period of time, allowing accounts to go into delinquency, or allowing for too many inquiries from third parties into a person's credit history.
assistant
What are some things that credit companies base credit score on, that could potentially be abused by others?
user
Credit companies take into account several factors when calculating credit scores, such as payment history, amounts owed, credit card utilization rate, length of credit history, new credit applications, and type of credit used. Any of these factors could potentially be abused by individuals to improve their credit score, such as maxing out multiple credit cards to raise their credit card utilization rate or making small payments on multiple accounts to build their length of credit history.
assistant