Payment history is the largest category, and makes up 35% of your score. Basically, to achieve a good credit score, you need to pay your bills on time, and avoid adverse account types such as collections and judgements.ew credit is 10% of your score, and looks at the number of recently opened accounts, as well as the number of inquiries on your credit report. A good credit behavior would be applying for and opening accounts sporadically -- not many at a time.
pen-name | definition: a language unit by which a person or thing is known | synonyms: last name, surname, file name, street name, brand name, nom de guerre, appellative, linguistic unit, forename, patronymic, false name, place name, first name, middle name, title, nickname, cognomen, domain name, filename, fictitious name, trade name, company name, agnomen, writer's name, given name, appellation, toponym, brand, patronym, denomination, Doing Business As, hypocorism, eponym, computer ...
Think of Daphne, Evadne, and Ariadne. The 'pe' is pronounced like you're saying the letter P. That's the correct way to say it. And BTW, I think it's a lovely name. It makes an unusual, historical name, and it's a great formal name if you like the nickname Callie.