The simple answer is all debt…
Unless you borrow money from a friend or relative, all and any debt will appear on the records of the credit bureaus. Put another way, any loan, credit or finance through a registered financial service provider or registered credit grantor will affect your credit score.
They will able to track the details of all loans or credit agreements. They will have aces to open balances, current installments, payment history and total debt.
The data on your credit score is not just for current or active accounts. Historical data will also appear on your credit profile and affect your score.
There are a handful of companies that chose not to give out this data but they are few and far between.
The main factors the credit bureau will look at when determining your score:
If you are unsure, the best bet is to obtain a copy of your credit report and see exactly what appears there.
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