Finance & Money · 征信分（Credit Score） · Updated 2026-10-25
What Is Credit Score?
Definition
The central credit report tracks cards, loans, guarantees, delinquencies and inquiries (your own checks don't count; too many lender "hard pulls" — say 6+ in two months — signal cash hunger). Top scoring factors: delinquency history (heaviest; "three consecutive or six total" misses usually kill a mortgage), utilization (above 80% on cards hurts), account mix and age, and recent inquiries. Being a "credit blank" with zero history does not help — the model can't score you, so approvals stay conservative.
Formula
Score ≈ f(payment history, utilization, credit age, inquiries, mix)
Worked Example
Three months before a mortgage application: no new cards, no testing online-loan limits (each check hits your report), and pay card utilization from 90% down under 30% — these three steps alone measurably improve approval odds.
Common Misconception
Assuming "never borrowing" means excellent credit — a blank file gives the model nothing to score, so approvals stay small. Better: keep 1-2 small cards and pay on time to build history. And "one late day is fine" is wrong too: most banks offer a 1-3 day grace window, after which it's reported.
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