De Facto Custody Can Change. At the temporary custody hearing, itâs very important to challenge the other parentâs de facto custody and ask for a change. This may be your only chance to challenge the de facto custody before the permanent custody hearing.
A credit score helps lenders evaluate a credit report because it is a number that summarizes credit risk, based on a snapshot of a credit report at a particular point in time. It is important to understand that not every credit score offered for sale online is a FICOÂ® Score. How scoring helps me.
1 A long credit history will help your score. 2  Credit scores are based on experience over time. 3  The more experience you have with getting credit and paying your bills on time, the more information there is to determine whether you are a good credit risk. Credit scoring models look at how close you are to being âmaxed out,â so try to keep your balances low in proportion to your overall credit limit. 2  Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. 3  Note: You donât need to revolve on credit cards to get a good score.