2012 Suzuki Boulevard M109R

your on time' payment rerocd, your debt to credit limit ratio (try to use no more than about 25% of your credit limit) and whether you always pay more than the minimum due are very important elements of your credit score. They also examine how much money you are making compared to your total monthly debt levels. Check with whomever you bank with as to what they think is important they should not charge you anything for this advice because they are educating a future customer they may be able to loan money to and make money off of.References : Personal experience