Your credit report can be influence by a variety of factors. It is important to know what you are doing before you start using your credit to make purchases. The more credit that you use, the more your credit score will be impacted. If you don't use credit you can still have a bad credit score. Do your research and make sure that you know what you are doing. When you want to buy a home and you don't understand your credit score, you may be in for a surprise.